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Online Banking Customer Agreement

Introduction

This Online Access Agreement ("Agreement") for accessing your Cascade accounts via Cascade Bank Online explains the terms and conditions governing the following online services: banking, bill pay and other banking services offered through Cascade Bank Online (collectively, the "Online Financial Services"). By using the Online Financial Services you agree to abide by the terms and conditions of this Agreement. This Agreement will be governed by and interpreted in accordance with federal law and regulation, and to the extent there is no applicable federal law or regulation, by the laws of the State of Washington. The terms "we," "us," "our," "Cascade Bank," and "Bank" refer to Cascade Bank. "You" refers to each signer on an account. The term "business days" means Monday through Friday, excluding Saturday, Sunday and federal banking holidays. Online Financial Services can be used to access certain Cascade accounts through Cascade Bank Online. Each of your accounts at Cascade Bank is also governed by the conditions outlined in "Your Agreement with Cascade Bank" brochure.

Accessing Your Cascade Accounts through Cascade Bank Online

Requirements

To subscribe to Cascade Bank Online, you must have at least one Cascade Bank account and an online password. In addition, you must have the approved Internet browser software. If you have multiple bank accounts at the bank, you may connect to any of the following:

• Checking and Money Market Accounts
• Savings Accounts
• Line of Credit Accounts
• Consumer Loans
• Mortgage Loans
• Visa

Benefits of Using Cascade Bank Online

Through Cascade Bank Online, you can manage your eligible personal or small business accounts from your home or office on your personal computer. You can use Cascade Bank Online to:

• View account balances and review transaction history.
• Transfer money between accounts.
• Make regular payments to your Cascade line or loan.
• Pay bills to any merchant, institution or individual with a U.S. address.
• Reorder checks for your checkbook.
• Change the address on any of your Cascade accounts.
• For business accounts:
  • Pay your employees
  • Pay your taxes
  • Originate ACH payments
  • Schedule wire transfers

In most cases, you may use Cascade Bank Online to link deposit accounts in which you have an unrestricted right to withdraw funds and credit accounts in which you have an unrestricted right to borrow money and buy items on credit. However, the Bank reserves the right in its sole discretion to deny Cascade Bank Online account linkage and account transactions. When you use Online Financial Services to transfer from credit accounts, you agree that the Bank may take any action required to obtain cash advances on your behalf, including charging your linked credit account at the Bank, without your signature.

Limitations

The features of the Online Financial Services are limited to the extent, and subject to the terms noted below.

1. Your ability to transfer funds between certain accounts is limited by federal law, as stated in Your Agreement with Cascade Bank. For example, you can make no more than six (6) transfers from a savings or money market account during each statement period, and, in the case of a money market account, no more than six (6) of such transfers may be made by check. Transfers and bill payments made using Online Financial Services are counted against the permissible number of transfers, as are the other transfer methods described in Your Agreement with Cascade Bank.
2. Balance and transaction information provided on any day will generally be current as of the close of business on the preceding business day. Transactional information for your linked accounts will only be available for downloading using Online Financial Services for a maximum of 60 days prior to the date of inquiry.
3. The Bank reserves the right to limit the frequency and dollar amount of transactions from your accounts for security reasons.

New Services

Cascade may, from time to time, introduce new Online Financial Services. We shall update this Agreement to notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules contained in this Agreement.

Bill Pay Service

Using the Service

The Cascade Bill Pay Service allows you to schedule bill payments through Cascade Bank Online. You can arrange, at your option, for the payment of your current and future bills from a Checking or Money Market account. You may pay any merchant or individual approved by Cascade for payment through Bill Pay. By furnishing us with the names of your payees/merchants and their addresses, you authorize us to follow the payment instructions to these payee/merchants that you provide us via Cascade Bank Online. When we receive a payment instruction (for the current or a future date), we will remit funds to the payee on your behalf, from the funds in your selected Money Market Checking or FDIC-insured checking account, on the day you have instructed them to be sent ("Payment Date"). However, we shall not be obligated to make any such payment unless your account has sufficient funds or credit availability to pay the bill on the Payment Date. Funds for electronic bill payments will be withdrawn from your account ON THE DAY the payment is scheduled TO BE SENT TO THE PAYEE.

You have the right to stop or change any scheduled payment. You must cancel the payment by no later than 5 p.m. (Pacific Time), on the Other Services Menu, or by calling the Cascade Bank Service Center at 1-800-326-8787.

NOTE: Any payments made with Bill Pay require sufficient time for your payee to credit your account properly. To avoid incurring a finance charge or other charge, you must schedule a payment sufficiently in advance of the due date of your payment. When you schedule electronic payments:

• YOU MUST SCHEDULE THE PAYMENT AT LEAST 1 FULL BUSINESS DAYS PRIOR TO THE DATE THE PAYMENT IS DUE AT YOUR PAYEE.
• When you schedule paper draft payments: YOU MUST SCHEDULE THE PAYMENT AT LEAST 4 FULL BUSINESS DAYS PRIOR TO THE DATE THE PAYMENT IS DUE AT YOUR PAYEE.

If Cascade does not properly complete a bill payment on time or in the correct amount, we will pay any reasonable late fee or additional finance charge incurred with respect to the particular obligation not correctly paid, which is directly caused by such failure, as long as your account was in good standing with the merchant prior to this incident. We will also be liable to you if we fail to stop a payment pursuant to your timely order to do so. Cascade shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, Cascade will not be liable if any third party through whom any bill payment is made fails to properly transmit the payment to the intended payee. We will also not be liable if there are insufficient funds or credit availability in your designated payment account; if a legal order directs us to prohibit withdrawals from the payment account; if the payment account is closed or frozen; or if the Cascade electronic fund transfer system is not working properly.

Cascade reserves the right to terminate your use of Bill Pay at any time. If, for any reason, you should ever wish to cancel Cascade Bank Online, we strongly suggest that you cancel all future bill payments at the same time that you cancel your service, either by deleting those payments yourself using Cascade Bank Online or by calling Cascade at 1-800-326-8787. This will ensure that future payments and transfers made by you will not be duplicated. We will automatically delete 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.

Joint Membership

Each Bill Pay membership can consist of a single member (one person) or joint members (several persons). Each member needs a unique Cascade Bank Online password. The terms of this Agreement extend to all members. To have a joint membership, all members must be signers on the online banking application. Joint members share the same payee list, and are subject to the joint tenancy rules contained in the Account Disclosure Statement for that checking account. Accounts that require two or more signatures are not eligible to be linked to Bill Pay. Any account owner may close the Bill Pay service.

Fees

You authorize the Bank to deduct all applicable fees from any account you have at the Bank. The Bank may change or add fees by following the procedures for amending this Agreement. In addition to the fees noted here, the service charges and fees provided for in the Deposit and Credit Agreements will continue to apply.

The Bill Pay monthly fees cover service for the previous month and are effective upon enrollment. Fees will be charged to your payment account, whether or not bill payments are made in the month. If the payment account has insufficient funds to cover fees, the Bank may deduct the fee from any other checking account linked to Cascade Bank Online (in any order we choose). If the fee cannot be paid, we may cancel Bill Pay. After cancellation, Bill Pay may be reinstated by contacting Cascade Bank Online Customer Service once sufficient funds are available in your account to cover all accrued Bill Pay fees and any other pending transfers or debits

1. Cascade Personal Banking Online Monthly Fees:
   • FREE Online Banking and FREE Bill Pay for all consumer checking account customers.
2. Cascade Business Banking Online Monthly Fees:
   • FREE for Basic Service and Free Bill Pay
   • $25.00 for Deluxe Service

Terms and Conditions

The first time you access your Cascade accounts through Cascade Bank Online you will confirm your agreement to be bound by all the terms and conditions of this Agreement and acknowledge your receipt and understanding of this disclosure.

Your Online Password

You will be given an online password that will give you access to your Cascade Bank accounts through Cascade Bank. This password can be changed within Cascade Bank Online from the log in page or by calling Cascade Bank. We recommend that your password consist of both letters and numbers. The password is case sensitive. We recommend that you change your password regularly. Cascade is entitled to act on instructions received under your password. For security purposes, it is recommended that you memorize this online password and do not write it down. You are responsible for keeping your password and account data confidential. After a password is entered a personalized picture is displayed with your unique word or phrase insuring you have reached the correct banking site prior to entering you password.

Payment Account

You will be asked to designate a payment account for selected services such as Bill Pay. You agree to pay promptly all fees and charges for services provided under this Agreement, and authorize us to charge the account that you have designated as the payment account or any other account for the fees. If you close the payment account, you must notify Cascade Bank and identify a new payment account for the selected services. Additionally, if you close all Cascade Bank accounts, you must notify your branch to cancel your Online Financial Services.

Your Online Financial Services may be canceled at any time without prior notice due to insufficient funds in one of your accounts. After cancellation, Online Financial Services may be reinstated, once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate your services, you must call Cascade Bank at 1-800-326-8787.

If you do not schedule or process a payment in your Cascade bill payment account via Cascade Bank Online for any three (3) month period, Cascade reserves the right to disconnect your service. Please note that your online bill payment information will be lost if you are disconnected. You agree to be responsible for any telephone charges that you incur by accessing your Cascade accounts through Cascade Bank Online.

If you wish to cancel any of your Online Financial Services offered through Cascade Bank Online, please contact Cascade Bank at 1-800-326-8787 or send us cancellation instructions in writing to Cascade Bank 2828 Colby Avenue Everett, WA 98201.

Our Liability

Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, Cascade, OR by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Explorer browser), OR by Internet access providers OR by online service providers OR by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special or consequential, incidental, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, the Online Financial Services, or Internet browser or access software. Cascade’s maximum liability for failure to properly complete a bill payment, or failure to honor a timely and properly given stop payment order, shall be limited as provided in Section III.A. above. In no event will Cascade be responsible for consequential damages or other losses caused by not properly carrying out a bill payment, in excess of reasonable late fees or additional finance charges with respect to the particular obligation not correctly paid, directly caused by the failure.

Hours of Accessibility

You can access your Cascade accounts through Cascade Bank Online seven days a week, 24 hours a day. However, at certain times, some or all of Cascade Bank Online may not be available due to system maintenance. During these times, you may use the touch-tone telephone service or a Cascade Bank branch to conduct your transactions. A transfer initiated through Cascade Bank Online before 8PM (Pacific Time) on a business day is posted to your account the same day. All transfers completed after 8PM (Pacific Time) on a business day or on a Saturday, Sunday or banking holiday will be posted on the next business day. Our business days are Monday through Friday, except for banking holidays. "Banking holidays" shall mean all federal banking holidays.

Additional Terms and Conditions

Obtaining Account Balance and Transaction History

You can obtain balance and transaction history on all eligible accounts that are enrolled in Cascade Bank Online. Account balance and transaction history reflect the most recent activity on your accounts.

Transferring Funds

The number of transfers from a savings account is limited as described in the applicable Account Disclosure Statement. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

Customers are responsible for communicating user changes to Cascade Bank at 800-326-8787.

General Terms

Changes to Charges, Fees or Other Terms

We reserve the right to change the charges, fees or other terms described in this Agreement. When changes are made to any fees, charges, or other material terms we will update this Agreement, and either send a notice to you at the address shown on our records, or send you an electronic mail message (E-mail). The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for online transactions, 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 system. If such a change is made, and it can be disclosed without jeopardizing the security of the 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 changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Account Disclosure Statement.

Disclosure of Account Information

We do not disclose any non-public personal information about our customers or former customer to any affiliated companies (companies owned by or under the same corporate umbrella as Cascade Bank) or non-affiliated third parties (companies not related to Cascade Bank), except as allowed by law.

Questions or Error Correction on Online Banking and Bill Pay Transactions

In case of questions or errors about online funds transfers or bill payments made through Cascade Bank Online involving a Cascade account, you should do one of the following:

Call the Cascade Bank Service Center at 1-800-326-8787 during business hours or email onlinebanking@cascadebank.com. Write Cascade Bank, 2828 Colby Avenue, Everett, WA 98201, as soon as you identify any errors or discrepancies in your statement or transaction record, or if you need more information about a transaction listed on the statement or transaction record. We must hear from you no later than sixty (60) days after we have sent the first paper or online statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten (10) business days. When you tell us about the problem, please: Tell us your name and account number, describe the error or the transaction you are unsure about, and explain why you believe it is in error or what additional information you need. Tell us the dollar amount of any suspected error. For a bill payment, tell us the checking account number used to pay the bill, payee name, date the payment was sent, payment amount, reference number, and payee account number for the payment in question.

We will tell you the results of our investigation within ten (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 ten (10) business days, 20 business days for new accounts less than 30 days with the Bank, 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 ten (10) business days, we may not re-credit your account. If a notice of error involves an electronic funds transfer that was initiated in a foreign country, or occurred within 30 days after the first deposit to the account was made, the applicable time period for action shall be 90 calendar days in place of 45 calendar days. For Point of Sale transactions with the Visa logo involving the unauthorized use of your debit card, we will provide provisional credit within five (5) business days after you notify us instead of within 10 or 20 days.

If we determine that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation and debit the amount of the error that we previously credited. You may request copies of the documents that we used in our investigation. If we do not complete a transfer to or from your Cascade account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages subject to the limitations on liability stated above. However, there are some exceptions. We will not be liable:

• If, through no fault of ours, you do not have enough money in your account to make a transfer or bill payment.
• If a legal order directs us to prohibit withdrawals from the account.
• If your account is closed or if it has been frozen.
• If the transfer or bill payment would cause your balance to go over the credit limit for any credit arrangement set up to cover overdrafts.
• If you, or anyone you allow, commits any fraud or violates any law or regulation.
• If any electronic terminal, telecommunication device or any part of the electronic fund transfer system is not working properly.
• If you have not provided us with complete and correct payment information, including without limitation the name, address, account number, and payment amount for the payee on a bill payment.
• If you have not properly followed the instructions for using Cascade Bank Online.
• If circumstances beyond our control (such as fire, flood or improper transmission or handling of payments by a third party) prevent the transfer or bill payment, despite reasonable precautions taken by us.

Other General Terms

Other Agreements—In addition to this Agreement you agree to be bound by and will comply with the requirements of the applicable Account Disclosure Statement, 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. We agree to be bound by them also.

Cascade Bank's Right to Terminate this Agreement - The Bank reserves the right to terminate this Agreement and your access to Online Financial Services through Cascade Bank Online, in whole or in part, at any time.

Assignment—Cascade may assign this Agreement to its parent corporation or any successor to Cascade by virtue of merger or asset sale or to any now-existing or future direct or indirect subsidiary of its parent corporation. Cascade may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

Protecting Your Account

Preventing Misuse of Your Account

Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call Cascade Bank at 1-800-326-8787.

Protecting Personal Information

In addition to protecting your account information, you should take precautions to protect your personal identification information, such as your driver's license, Social Security Number, etc. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your account information.

Taking Care of Your Online Password

The password that is used to gain access to Online Financial Services through Cascade Bank Online should be kept confidential. For your protection we recommend that you change your online password regularly. We recommend that you memorize this online password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your online password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify Cascade Bank Online Customer Service at once at 1-800-326-8787.

Unauthorized Transactions in Your Cascade Bank Accounts

Notify us at once if you believe another person has improperly obtained your online password. Also notify us if someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. Only reveal your account number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). To notify us, call the Cascade Bank Service Center at 1-800-326-8787 or write Cascade, 2828 Colby Avenue, Everett, WA 98201.

If your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us at once. If you do not notify us within sixty (60) days after the paper or online statement was sent to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty- (60) days.

Establishing User limits for External Funds Transfer and Separation of Duties

A daily dollar limit for each user in the online banking system that limits the amount a user can transmit from your account via wire transfer or ACH is required. If such a limit is not established by your online banking administrator, the Bank may establish a default limit amount that it deems necessary to protect your account(s). The Bank shall not be liable for any loss or damage resulting from the unauthorized, fraudulent, or dishonest acts by your authorized users that may or may not have been prevented or limited by the daily dollar limit. You are solely responsible for the establishment, modification, or revocation of your users’ daily dollar limits.