Personal Enrollment Form Agreement

EZ Online Banking Agreement

By signing or submitting this application, I certify that the information provided is true and correct and authorize Virginia Community Bank to verify my credit. I authorize Virginia Community Bank to allow access to all accounts related to my social security number via EZ Online Banking. I verify that I am an authorized signer on all the accounts related to my social security number. The use of EZ Online Banking shall be governed by the printed terms and conditions of the EZ Online Banking Agreement and Disclosures and such other terms and conditions or amendments thereto, as may be established by Virginia Community Bank and communicated in writing.

EZ Online Bill Pay Agreement

I authorize Virginia Community Bank to post payment transactions generated by personal computer from the EZ Bill Pay service to the account indicated on this agreement. I understand that I am in full control of my account. If Virginia Community Bank determines my account to be handled unsatisfactory, or inactive for 90 days my Internet bill pay functions may be discontinued by Virginia Community Bank. If at any time I decide to discontinue service, I will provide written notification to Virginia Community Bank. I understand that payments may take up to 10 Days to reach the vendor and that they will be sent either electronically or by check. Virginia Community Bank is not liable for any service fees or late charges levied against me. I also understand that I am responsible for any loss or penalty that I may incur due to lack of insufficient funds or other conditions that may prevent the withdrawal of funds from my account.

EZ Online Banking Agreement

This Internet Banking Agreement and Disclosure (the "Agreement") is used to inform you of appropriate
uses of Internet Banking to obtain information about your accounts, to transfer funds between your
accounts, and other bank services available through the Internet. Here in after, THE BANK means
Virginia Community Bank and/or its successors.

Security & Protecting Your Account

THE BANK is committed to the protection, security, and confidentiality of our customer’s personal and
account information. In an effort to maintain this commitment, THE BANK continues to utilize the latest
technology in the continuous development of its Internet Banking Service.

THE BANK uses the following methods to protect your account information:

* You can only access Internet Banking with browsers that have high security standards.

* Your account numbers are not displayed or transmitted across the Internet.

* You must have a valid ID and PIN to sign in. You are only allowed three attempts to log into Internet
Banking with the correct ID and PIN. If you do not enter the correct ID and PIN your account will be
blocked after the third attempt.

* After 20 minutes of inactivity you will be automatically logged off Internet Banking.

You are responsible for using the following methods to protect your account information:

* Never give out personal information such as your PIN.

* Never leave your computer unattended while logged into Internet Banking.

* Always exit by clicking on “Exit” after using Internet Banking.

* Notify Customer Service immediately if you suspect that your ID or PIN has become known to or used by
an unauthorized person.

E-mail and Virus Protection

THE BANK encourages you not to send any confidential information including social security numbers, IDs,
and PINs via e-mail. You need only to send your name and if desired, a phone number where customer
service may reach you. Customer Service will answer all e-mails by e-mail unless they have questions or
need further information from you.

Unless you have instructed us otherwise, you agree that THE BANK may send you electronic messages about
other products or services we offer.

THE BANK is not responsible for any electronic virus that you may contract while using Internet Banking.
THE BANK suggests you routinely scan your computer using a virus protection product to detect and remove
viruses found.

Service Availability

Internet Banking with THE BANK is available 365 days a year. It is necessary to perform maintenance.
This maintenance is limited to the early morning hours (i.e. Midnight - 5:00 a.m.) on Saturday or Sunday
when possible. There are times Internet Banking may be down for extended periods of time or times other
than Saturday and Sunday for more extensive maintenance, system upgrades, or to resolve equipment
problems. During these periods, customers are notified of the maintenance on THE BANK’s web site and
when attempting to log into Internet Banking.

Funds Transfer Service

You will be able to transfer funds between your THE BANK accounts only. If you do not want to have the
ability to transfer funds between your accounts using Internet Banking, or if you want to restrict the
accounts from which you can transfer funds using your ID and PIN, call Customer Service, and we will
make the necessary adjustments to this service for you.

As an Internet Banking customer, you can make immediate transfers between specified deposit accounts
though Internet Banking. You are responsible for all transfers you or your authorized representative
make using Internet Banking. All such transfers are effective when you complete the transaction online.
Funds must be available in the account from which you wish to transfer funds on the date you enter the

THE BANK’s Ability to Terminate your Internet Banking Service

You are responsible for complying with the terms of this Agreement. THE BANK reserves the right to
terminate your Internet Banking privileges if you do not comply with this agreement. Your Internet
banking privileges may be revoked if we believe that unauthorized use of your ID, PIN or account may be


We can amend this Agreement upon notice to you, which you agree may be sent by e-mail or by an
announcement conspicuously displayed directly within the site. Any notice will be effective not later
than twenty one (21) days after we send or post the notice (unless a law or regulation requires a longer
notice period), whether or not you have retrieved or viewed the notice by that time.

We may, from time to time, introduce new services that are part of Internet Banking. We will update this
Agreement to notify you of these new services. By using Internet Banking after those new services become
available, you agree to be bound by the terms contained in the revised agreement.

Your Agreement To These Terms And Conditions

Your registration for Internet Banking with THE BANK confirms that you acknowledge you have received,
reviewed, and understand the terms of this Agreement, and that you are bound by all the terms and
conditions of this Agreement. If you do not agree with all the terms and conditions of this Agreement,
contact THE BANK by phone, email, or letter to discontinue your Internet Banking Service.