1.     Agreement - This Agreement is a contract which establishes the rules which cover your electronic access to your accounts at Northwest Commercial Bank through Premierecom®. By using Premierecom®, you accept all the terms and conditions of this Agreement. Please read it carefully.

The terms and conditions of the deposit agreements and disclosures for each of your Northwest Commercial Bank accounts as well as your other agreements with Northwest Commercial Bank such as loans continue to apply notwithstanding anything to the contrary in this Agreement.

This Agreement is also subject to applicable federal laws and the laws of the State of Washington (except to the extent this Agreement can and does vary such rules or laws). 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. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and Northwest Commercial Bank's successors and assigns.  Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement. This Agreement, together with the Fee Schedule, constitutes the entire agreement between you and Northwest Commercial Bank with respect to the subject matter hereof and there are no understandings or agreements relative hereto which are not fully expressed herein.

2.    Definitions - As used in this Agreement, the words "we," "our," "us" mean Northwest Commercial Bank "You" and "your" refer to the account holder authorized by Northwest Commercial Bank to use Premierecom® under this Agreement and anyone else  authorized by that accountholder to exercise control over the accountholder’s funds through Premierecom®. "Account" or "accounts" means your accounts at Northwest Commercial Bank. "Electronic funds transfers" means ATM withdrawals, preauthorized transactions, point of sale transactions, transfers to and from your Northwest Commercial Bank accounts using Premierecom®. "Premierecom® Services" means the services provided pursuant to this Agreement. "Business days" means Monday through Friday. Holidays are not included.

3.   Access - To use Premierecom®, you must have a checking account at Northwest Commercial Bank, access to the Internet, and an e-mail address. You must use an access ID and a password to access the Service and acknowledge acceptance of the Northwest Commercial Bank Online Access Agreement and Funds Transfer Act Disclosure upon your initial log in.  You can add or delete any of your Northwest Commercial Bank accounts from this Agreement by contacting us during normal business hours.

4.   Premierecom® Services - You can use Premierecom® to check the balance of your Northwest Commercial Bank accounts, view Northwest Commercial Bank account histories, transfer funds between your Northwest Commercial Bank accounts, place stop payments, and send us e-mails.  Balance and activity information are available as of 5:00 p.m. (Pacific Time) of the previous business day.  E-mail requests received after 3:00 p.m. (PT) will be processed on the next business day following the date the request was made online. 

5.    Hours of Access - You can use Premierecom® seven days a week, twenty-four hours a day, although some or all Premierecom® services may not be available occasionally due to emergency or scheduled system maintenance.

6.   Your Password – For security purposes, you are required to change your password upon your initial login to Premierecom®. You determine what password you will use and the identity of your 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 and agree to change your password regularly. Upon three unsuccessful attempts to use your password, your access to Premierecom® will be revoked. To re-establish your authorization to use Premierecom®, you must contact us to have your password reset. We recommend that you create a password that utilizes both upper and lower case alpha and numeric characters for purposes of security. Your password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth, names of children, and should be memorized rather than written down.  Each individual who has access to the Service must choose a separate access ID and password.  We may act on any Service instruction that is accompanied by your access ID and password. We undertake no obligation to monitor transactions through Premierecom® to determine that they are made by you.

7.    Security - You understand the importance of your role in preventing misuse of your accounts through Premierecom® and you agree to promptly examine your paper statement for each of your Northwest Commercial Bank accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, and your 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 provide security against unauthorized entry and access to your accounts. Data transferred via Premierecom® is encrypted in an effort to provide transmission security and Premierecom® utilizes identification technology to verify that the sender and receiver of Premierecom® transmissions can be appropriately identified by each other. Notwithstanding our efforts to insure that the Premierecom® system is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing Fiserv Premierecom®, or e-mail transmitted to and from us, will not be monitored or read by others. 

8.    Posting of Transfers - Transfers initiated through Premierecom® before 5:00 p.m. (Pacific Time) on a business day are posted to your account the same day. Transfers completed after 5:00 p.m. (PT) on a business day, or a Saturday, Sunday or banking holiday, will be posted on the next business day. Premierecom® identifies transfers based upon the login ID of the user who made the electronic transfer. You agree to communicate with any other persons with authorized access to your accounts concerning any transfers from your accounts in order to avoid overdrafts. Overdrafts (Order of Payments, Transfers, and other Withdrawals) - If your account has insufficient funds to perform all electronic fund transfers you have requested for a given business day, then:

a)    Electronic funds transfers involving currency disbursements, like ATM withdrawals, will have priority;

b)    Electronic fund transfers initiated through Premierecom® which would result in an overdraft of your account may, at our discretion, be cancelled;

c)   In the event the electronic fund transfers initiated through Premierecom® which would result in an overdraft of your account are not cancelled, overdraft charges may be assessed pursuant to the terms of the deposit agreement for that account.

9.     Limits on Amounts and Frequency of Premierecom® Transactions - The number of transfers from your accounts and the amounts which may be transferred are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts. 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.

10. Stop-Payment Requests - You may initiate stop-payment requests online only for paper checks you have written (non-electronically) on your accounts. Online stop-payment requests completed by 3:00 p.m. (PT) on a business day, or a Saturday, Sunday or banking holiday will be processed at 3:00 p.m. (PT) on the next business day following the date the stop-payment was requested.  To be effective, this type of stop-payment request must precisely identify the name of the payee, the check number, the amount, and the date of the check. To place a stop-payment on electronic payments or to expedite a request, you may contact us by phone during our regular business hours at (253)584-9100.  You will incur stop-payment charges as disclosed in the current fee schedule for the applicable account.

11. Disclosure of Account Information and Transfers - You understand information about your accounts or the transfers you make may automatically be disclosed to others. For example, tax laws require disclosure to the government of the amount of interest you earn, and some transactions, such as large currency and foreign transactions, must be reported to the government. We may also provide information about your accounts to persons or companies we believe would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, we routinely inform credit bureaus when accounts are closed because they were not handled properly. We may also seek information about you from others, such as the credit bureau, in connection with the opening or maintaining of your account or in connection with approving your access to Premierecom®. You agree and hereby authorize all of these transfers of information.

12. Periodic Statements - You will not receive a separate Premierecom® statement. Transfers to and from your accounts using Premierecom® will appear on the respective periodic paper statements for your Northwest Commercial Bank accounts.

13. Change in Terms - We may change any term of this Agreement at any time. If the change would result in increased fees for any Premierecom® service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 21 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. We will post any required notice of the change in terms on the Northwest Commercial Bank website or forward it to you by e-mail or by postal mail or bank statement notification. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject Premierecom® Services indicates your acceptance of the change in terms. 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.

14.  In Case of Errors or Questions about Your Electronic Transfers - Contact us as soon as you can, if you think your paper statement is wrong, or if you need more information about a transfer listed on your paper statement. We must hear from you no later than 60 days after we sent the FIRST paper statement upon which the problem or error appeared. When you contact us:

a)  Tell us your name and account number.

b)  Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error, or why you need more information.

c)   Tell us the dollar amount of the suspected error.

      If you contact us by telephone or by e-mail, we may require that you send us your complaint or question in the form of a paper writing by postal mail or fax within 10 business days.

      We will communicate to you the results of our investigation within 10 business days after you contact us 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 provisionally credit your account within 10 business days for the amount you think is in error, so that you will have the 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 in the form of a paper writing within 10 business days, we may not provisionally credit your account.

      If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If we have made a provisional credit, a corresponding debit will be made from your account.

15. Our Liability for Failure to Make a Transfer - If we do not complete a transfer to or from your account, on time or in the correct amount, according to our agreement with you when you have properly instructed us to do so, we will be liable to you for your losses or damages caused as a result. However, there are some exceptions. We will NOT be liable, for instance:

a)    If, through no fault of ours, you do not have enough money in your account to make a transfer.

b)     If a legal order directs us to prohibit withdrawals from the account.

c)      If your account is closed, or if it has been frozen.

d)     If the transfer would cause your balance to go over the credit limit of an established line of credit or the credit limit for any credit arrangement set up to cover overdrafts.

e)     If you, or anyone authorized by you, commits any fraud or violates any law or regulation.

f)       If any electronic terminal, telecommunication device, or any part of the Premierecom® electronic fund transfer system is not working properly and you knew about the problem when you started the transfer.

g)     If you have not properly followed the on-screen instructions for using Premierecom®.

h)     If circumstances beyond our control (such as fire, flood, interruption in telephone service or other communication lines) prevent the transfer, despite reasonable precautions that we have taken.

16. Your Liability for Unauthorized Transfers - CONTACT US AT ONCE if you believe your password has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission. An immediate telephone call to us is the best way to reduce any possible losses. You could lose all the money in your accounts (plus your maximum overdraft line of credit, if any). If you contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your password, you can lose no more than $50 if someone used your password without your permission.

If you do NOT contact us within 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 $500.

Also, if your paper statement shows transfers that you did not make, contact us at once. If you do not tell us within 60 days after the paper statement was mailed to you, you may not get back any money you lost through transactions made after the 60 day time period 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 hospital stay) kept you from contacting us, we will extend the time periods.

17. Disclaimer of Warranty and Limitation of Liability - We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the Premierecom® Services provided to you under this Agreement. We do not and cannot warrant that Premierecom® will operate without errors, or that any or all Premierecom® 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 Premierecom®, 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 Northwest Commercial Bank and its affiliates exceed the amounts paid by you for the services provided to you through Premierecom®.

18. Your Right to Terminate - You may cancel your Premierecom® service at any time by providing us with written notice by postal mail or fax. Your access to Premierecom® will be suspended within 3 business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation.

19. Our Right to Terminate - You agree that we can terminate or limit your access to Premierecom® Services for any of the following reasons:

a)    Without prior notice, if you have insufficient funds in any one of your Northwest Commercial Bank accounts. Premierecom® service may be reinstated, in our sole discretion, once sufficient funds are available to cover any fees, pending transfers, and debits.

b)    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.

c)     Upon reasonable notice, for any other reason in our sole discretion.

20. Communications between Northwest Commercial Bank and You - Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways:

E-mail - You can contact us by e-mail at info@nwcommbank.com (Please note that banking transactions through Premierecom® are not made via e-mail.)

Telephone - You can contact us by telephone at (253)584-9100.

Facsimile - You can contact us by fax at (253)581-7797.

Postal Mail - You can write to us at: Northwest Commercial Bank, Attention Customer Service, 5726 100^th Street SW, Lakewood, WA, 98499

In Person - You may visit us in person at our location: 

5726 100^th Street SW, Lakewood, WA, 98499