Copyright Notice and Disclosures

Use of Information
Any person is hereby authorized to view the information available from this web site for informational purposes only. No part of the information on this site can be redistributed, copied, or reproduced without prior written consent of Oregon Pacific Bank.

Copyright Information
©2002 Oregon Pacific Bank, All Rights Reserved
©2002 The Forms Group, Scottsdale, AZ All Rights Reserved

All information in this site is protected by a compilation copyright in the United States of America based on U.S. Copyright Law (17 U.S.C. sec.101 et seq) and International Copyright Laws and may not be reproduced in whole or in part. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this site.

Trademark Information
BankSITE® is a registered trademark of The Forms Group.

Disclaimer of Warranties
The information contained or accessed, and references to corporations, including their services and products, are provided "as is" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.

Descriptions of, or references to, products, services or publications within Oregon Pacific Bank's web site does not imply endorsement of that product, service or publication. Oregon Pacific Bank makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. Oregon Pacific Bank specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.

Oregon Pacific Bank, our employees, officers, directors and shareholders, as well as BankSITE®, are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.

Deposit information presented on the website of Oregon Pacific Bank is in accordance with the Federal Reserves Truth in Savings Act (12CFR230). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.

Loan information presented on the website of Oregon Pacific Bank is in accordance with the Federal Reserve Truth in Lending Act (12CFR226). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time.

Home Equity Loan Rate Disclosures:
Variable Rate Home Equity Loan - Rates and terms subject to change. Normal underwriting guidelines apply. Standard fees at borrower's expense.

Home Equity Line of Credit - Monthly Payments and Interest Only - The rate may increase or decrease. Appraisal or title insurance, if required, at borrower's expense. Property insurance is required. Flood insurance may be required. Property must be owner-occupied. Normal underwriting guidelines apply.

Mortgage Loan Rate Disclosures:
15-Year and 20-Year Fixed Rate - Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs.

30-Year Fixed Rate - Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs.

Construction Loan - Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs. Your interest rate cannot change, increase or decrease more than two percentage points at each adjustment.

Adjustable Rate Mortgage - Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs. Your interest rate cannot change, increase or decrease more than two percentage points at each adjustment.

OREGON PACIFIC BANK
INTERNET BANKING SERVICE AGREEMENT

This Internet Banking Agreement ("Agreement") explains the terms and conditions governing access to the Internet Banking Service offered by Oregon Pacific Bank. The term "Services" may or may not include "Bill Payment" feature. The customer in the Agreement is referred to as "you" or "your" and refers to each signer on an account. The terms "we", "us" and "our" refer to Oregon Pacific Bank. In addition to this Agreement, you agree to be bound by and will comply with the requirements in the Account Agreement, the Truth in Savings Disclosure, the Schedule of Fees and Charges, the Funds Availability Policy, the Electronic Funds Transfer Notice, the Bank's Rules and Regulations, the Rules and Regulations of any funds transfer system to which the Bank belongs and applicable state and federal laws and regulations. If there is a conflict between the Agreement and any initial disclosures you received when you opened your account(s), this Agreement will control.

General Information
You agree to be responsible for any telephone charges which you incur by accessing Internet Banking Services. If you wish to cancel Internet Banking Services, please send us cancellation instructions in writing to: Oregon Pacific Bank, P.O. Box 22000, Florence, Oregon 97439.

Personal Identification Number and Identification Number
Initially, you will be assigned an Identification Number, ("ID") and a Personal Identification Number ("Password") that will give you access to your accounts. The Password can be changed through the Account Management screen. You should change your Password regularly. You agree not to disclose the Password to anyone. You are responsible for keeping your Password and Identification Number confidential.

Liability for Unauthorized Use
Tell us AT ONCE if you believe your Password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) business days, 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 or theft of your Password, and we can prove that we could have stopped someone from using your Password without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows 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 (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 will extend the time periods. If you believe that your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, Contact any Branch of Oregon Pacific Bank or call us at (800)997-7121 (541) 997 7121 or write us at P.O. Box 22000, Florence, Oregon 97439.

Oregon Pacific Bank is not liable for any loss related to authorization given to aggregators, consolidators or screen scraping firms. Oregon Pacific Bank prohibits the user from providing access to their Internet Banking and Bill Payer accounts by aggregators, consolidators or screen scraping firms.

Exclusion Of Warranties And Limitation of Liability
Access to Services is provided on an "as is, as is available" basis. Bank makes no warranties of any kind, whether expressed or implied, for the Services. Bank also disclaims any warranty of merchantability, fitness or non-infringement for any particular purpose. You expressly agree that use of the Internet Banking system and transmission of information through the Internet Banking system is at your sole risk. Neither Bank nor its employees or agents warrant that service will be uninterrupted or error free. Neither Bank nor anyone else involved with the creation, distribution, production or delivery of services available on the Internet Banking system shall be liable for any direct, indirect, incidental, special or consequential damages you suffer, this includes loss of use, data or profits, whether or not advised of the possibility of damage and on any theory of liability resulting from delays, non-deliveries, mis-deliveries or service interruptions. You agree to indemnify and hold harmless the Bank, its directors, officers, employees and agents from any claims resulting from your use of the Services, which causes damage to you or another party. Use of any information obtained through the Internet Banking system is at your own risk.

Hours Accessibility
You can generally access your Internet Banking and Bill Payment Account seven days a week, twenty four hours a day. Periodically Internet Banking or Bill Payment may not be available due to system maintenance. Bill Payments made after 1:00 P.M. (Pacific Standard Time) will be processed on the next business banking day. Cut off time for internal transfers is 6 pm Monday through Friday

Additional Terms & Conditions
You can obtain balance and transaction history on all eligible Bank accounts. Any account for which you are only an authorized signer, but have no ownership rights, will not be accessible. Accounts that require two or more signatures are not eligible for transfer of funds. Funds are available according to the Funds Availability Policy you received when you opened your deposit account. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer funds until the hold expires or is deleted by the Bank.

Bill Pay Services
If you enroll for Bill Pay you can arrange for the payment of current, future and recurring bills from a designated bank checking account. There is an additional fee for business Bill Pay services.

Right To Privacy Policy
Oregon Pacific Bank recognizes the importance of protecting the privacy of your personal information. Please refer to the Right To Privacy Disclosures issued at the time of opening your account and mailed to you on an annual basis

General Terms
We reserve the right to change the terms described in this Agreement. When changes are made to any terms we will update this Agreement and send a notice to you at the address shown on our records. The notice will be sent at least thirty (30) days in advance of the effective date of any additional fees for Services or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions unless an immediate change is necessary to maintain the security of the Internet Banking System. If such a change is made, and it can be disclosed without jeopardizing the security of the Internet Banking System, we will provide you with electronic or written notice within thirty (30) days after the change. As always, you may choose to accept or decline change by continuing or discontinuing the accounts or Services to which these changes relate. We also reserve the option, at our discretion, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Schedule of Fees and Charges.

Other General Terms
The Bank reserves the right to terminate this Agreement and your access to Internet Banking Services and Bill Payment in whole or in part, at any time, without prior notice. Reasons may include, but are not limited to, insufficient funds in any of your accounts, inactivity, failure to make timely payment of fees, or marital separation or divorce involving joint account holders. The Bank may assign this Agreement to its parent corporation or to any now existing or future direct or indirect subsidiary of its parent corporation. We may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties. The first time you access Internet Banking you are confirming your agreement to be bound by all of the terms and conditions of this Internet Banking Service Agreement and you thereby acknowledge your receipt and understanding of this disclosure.

Copyright 2004, Oregon Pacific Bank, Member FDIC