EasyOnline

If approved for computer access to your account, you will access EasyOnline using your EasyOnline Personal Identification Number (PIN). With this service, you can handle your personal accounts using your personal computer.

Use EasyOnline to:

• Make inquiries
• Check account balances
• Transfer funds between your checking, savings, money market or loan accounts
• Withdraw from savings or take Line of Credit advances by check
• Reorder checks
• Download information on Quicken
• Change your PIN for EasyOnline (Access Code)
• View account statements electronically
• View images of cleared checks

EasyOnline is a service to our Customers. However, the privileges given under this service may be canceled at any time.

To access EasyOnline you need an IBM-compatible or Macintosh System with access to the internet via an SSL (Secure Sockets Layer)-compatible 40 bit browser such as Microsoft Internet Explorer or Netscape Navigator. For their security features, we recommend version 3.0 or higher. SSL technology encrypts your transactions for transmission. You are responsible for acquiring the software and computer necessary to perform these transactions.

You may use EasyOnline at any time, seven days a week, twenty-four hours a day.

Federal regulation limits Savings and Money Market Accounts to a combined maximum of six transfers or withdrawals per account, per monthly statement period. You may transfer any available balance, unless limited under another agreement. A transfer of funds is online, real-time.

Kaiser Federal Bank reserves the right to refuse any transaction that would draw upon insufficient funds, lower an account below a required minimum balance or would exceed the allowable number of transfers. In the unlikely event we are unable to process your transaction, we will notify you on the screen immediately.

Customer withdrawal and loan advance checks requested via EasyOnline will be issued as a corporate check and made payable to the primary account holder. Checks will be mailed via 1st class mail. Checks requested after 3:30 p.m. PST Monday through Friday will be processed the following business day.

Protection of Your EasyOnline Username and Access Code

You are responsible to take precautions to keep your username and access code secret and to prevent their unauthorized disclosure. If you forget your username or access code contact Kaiser Federal Bank's Information Service Center and we will assign a new code. You must not allow another person to use your access code. If you do so, you will be liable for the other person's use of EasyOnline until you have notified Kaiser Federal Bank that the transactions by that person are no longer authorized. If you believe that your access code has been lost or stolen or that someone may attempt to use EasyOnline without your consent, you must notify Kaiser Federal Bank's Information Service Center at once by calling us at: 1-800-524-CASH during normal customer service hours, 7:00am to 7:00pm PST Monday through Friday excluding federal holidays.

Service Charges

Any service charges for using EasyOnline will be shown in the Account Disclosure.

Check reorder fees are charged to your checking account at cost, based on the type of checks ordered. Checks ordered via EasyOnline will be mailed to the address stated in the check order record via US mail and should be received within ten (10) business days.

If you believe that someone may attempt to use EasyOnline without your consent or has transferred money without your permission, call during our normal business hours of 7:00am to 7:00pm PST Monday through Friday excluding federal holidays:

In Case of Errors or Questions About Your Electronic Transactions

Write us at the Kaiser Federal Bank Corporate office address shown above, or telephone us at the telephone number shown above as soon as you think your statement or receipt is wrong, or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem 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 there is an error or why you need more information. (3) Tell us the dollar amount of the suspected error.

We will determine whether an error occurred within 10 business days after we hear from you. 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 credit your account within 10 business days 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 you tell us orally, we will 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 (20 business days if your account is new) 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 (90 days if your account is new or if the question relates to a foreign or POS transaction). If we decide to do this we will re-credit your account within 10 business days for the amount you think is in error (5 business days if your claim relates to unauthorized VISA transactions on your Card and your account is not new: 20 business days if your account is new), 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 re-credit your account.

SUBSTITUTE CHECKS AND YOUR RIGHTS

Federal rules for Check 21 allow banks to replace original checks with "substitute checks." Here are the details about what this means to you.

Substitute Checks and Your Rights

What is a substitute check?

To make check processing faster, federal law permits banks to replace original checks with "substitute checks." These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other laws with respect to those transactions.

What are my rights regarding substitute checks?

In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other laws.

If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim.

We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

How do I make a claim for a refund?

If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us by writing to our Corporate Office address or by calling 800-524-CASH. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include -

ELECTRONIC FUNDS TRANSFER

Preauthorized Automatic Transfers

The following terms apply to preauthorized and automatic transfers governed by the Electronic Funds Transfer Act. This includes preauthorized electronic funds transfers to or from your account by means of computer or magnetic tape, including preauthorized electronic funds transfers made to your account from a third party (e.g. Social Security, a pension fund or your employer) or from your account to a third party (e.g., recurring mortgage or insurance payments). Indicated below are additional types of Electronic Funds Transfers we are capable of handling, some of which may not apply to your account.

Electronic Funds Transfers Initiated by Third Parties

You may authorize a third party to initiate electronic funds transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payment networks. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when the merchant posts a sign informing you of their policy. In all cases, the transaction will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit slip. Thus, you should only provide your bank and account information (whether over the phone, the internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic funds transfers.

Electronic Check Conversion

You may provide your check to a merchant or service provider who will scan the check for the encoded bank and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check by other means such as by mail or drop box.

Electronic Returned Check Charge

Some merchants or service providers will initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.

Notice of Receipt of ACH Items

Under the operating rules of the National Automated Clearing House Association, which are applicable to Automated Clearing House (ACH) transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item, and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statements we provide you.

Notice of Provisional Payments

Credit given by us to you with respect to an automated clearing house credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry and the party making payment to you via such entry, (i.e., the originator of the entry) shall not be deemed to have paid you the amount of such entry.

Notice of Choice of Law

We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses and which are not subject to the Electronic Funds Transfer Act. Your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of New York as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account.

Notice of Varying Amounts

If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)

THE STATEMENT BELOW PERTAINS TO OPEN-END ACCOUNTS ONLY

HOW TO COMPUTE THE FINANCE CHARGE ON YOUR OPEN-END LOAN(S)

The dollar amount you pay for the money borrowed is called a finance charge. The finance charge begins on the date of each advance. To compute the finance charge, the unpaid balance for each day since your last payment (or since an advance if you have not yet made a payment) is multiplied by the applicable daily periodic rate. The sum if these amounts is the finance charge owed. The balance used to compute the finance charge is the unpaid balance each day after the payments and credits to that balance have been subtracted and any new balances have been added. A finance charge will be completed separately for each separate balance under the plan.

YOUR BILLING RIGHTS

This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT

If you think your statement is wrong, or if you need more information about a transaction on your statement, write us on a separate piece of paper at the Corporate Office address shown. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. You can telephone us at 800-524-CASH, Monday through Friday from 7:00am until 7:00pm PST, excluding federal holidays, but doing so will not preserve your rights. In your letter give us the following information:

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE

We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days from the date your letter is received, we must either correct the error or explain why we believe the statement was correct.

After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to send statements to you for the amount you question; including finance charges and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your statement that are not in question.

If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. If we did not make a mistake, you may have to pay finance charges and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement on the amount you owe and the day that it is due.

If you fail to pay the amount that we think you owe, we may report you as delinquent. However if our explanation does not satisfy you and you write us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement. We must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50.00 of the questioned amount, even if your statement was correct.

Governing Law

This agreement shall be governed by and construed in accordance with all applicable Federal and California State laws, without regard to its conflict of law provisions. For service and other information, such as your specific rights and responsibilities and for the applicable laws and regulations that govern your transactions, send us an email to   or call our Information Service Center at 1-800-524-CASH, during normal business hours 7:00am to 7:00pm PST Monday through Friday excluding federal holidays. You can also write us at Kaiser Federal Bank P.O. Box 6107 Covina CA 91722-5107.