CASH MANAGEMENT AUTHORIZATION OF ,
(the Name of "Entity")
which is a (Please check one): Corporation New Jersey Limited Liability Company (NJLLC)
Partnership Unincorporated Business Unincorporated Association

IF A CORPORATION:
I, , the duly elected and acting Secretary of the Corporation, do hereby certify that the following is a true copy of a certain resolution adopted by the Board of Directors of the Corporation at a regular or duly called meeting thereof held on - , , and that said resolution remains in full force and effect and has not been revoked, modified, or amended.

RESOLVED, that the Corporation shall from time to time enter into such cash management agreements with Greater Community Bank as any one of the officers of the Corporation named below deems appropriate in order to facilitate ibranch^SM for Your business for the Corporation's cash resources, and that the individuals named below have authority to execute Agreement and furnish instructions as necessary to implement such services.

IF A NEW JERSEY LIMITIED LIABILITY COMPANY (NJLLC):
I, , a manager of the NJLLC and the individuals named below are properly authorized to (1) execute all such cash management agreements with Greater Community Bank that the bank deems appropriate to facilitate ibranch^SM for Your business and (2) furnish instructions as necessary to implement such services.

I also represent that I have furnished Greater Community Bank with a true and complete copy of the Certificate of Formation of the NJLLC and with a copy of the Operating Agreement of the NJLLC.

IF A PARTNERSHIP:
I, , as a partner of this entity affirm that that any partner listed below is individually authorized to (1) execute all such cash management agreements with Greater Community Bank that the bank deems appropriate to facilitate ibranch^SM for Your business and (2) furnish instructions as necessary to implement such services.

I also represent that I have furnished Greater Community Bank with a complete true and current copy of the Partnership Agreement.

IF AN UNINCORPORATED BUSINESS:
I, , am principal in the entity and affirm a statement of such trade name has been filed in the Office of the Clerk of County of New Jersey.

IF AN UNINCORPORATED ASSOCIATION:
I, , the only appointed Secretary of the Association certify to Greater Community Bank that at meeting wherein a quorum was present, the following resolution was adopted and is now in full force and effect:

RESOLVED, that the Association shall from time to time enter into such cash management agreements with Greater Community Bank as any one of the officers of the Association named below deems appropriate in order to facilitate ibranch^SM for Your business for the Association's cash resources, and that the individuals named below have authority to execute Agreement and furnish instructions as necessary to implement such services.

Name of Authorized Individuals	Title

IT IS UNDERSTOOD, that this authority shall remain in full force and effect until written notice of its amendment or rescission has been given to and received by Greater Community Bank in the manner and place designated by the above-described cash management services agreements, and that no such notice shall affect any action taken or order or instruction made prior to its receipt.

IN WITNESS WHEREOF, I have executed this Cash Management Authorization as an Authorized Representative of the Entity on this ____ day of ___________, _____.

__________________________________
Authorized Signor of the Entity

__________________________________
Printed Name of Authorized Signor

ibranch^SM for Your business ONLINE ACCESS and TRANSACTION AGREEMENT

Agreement - This Agreement, which includes the Fee Schedule and Enrollment Form, is a contract that establishes the rules that cover your electronic access to your accounts and cash management services at Greater Community Bank ("BANK") through ibranch. By using ibranch, 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 BANK accounts and each of your loan agreements 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 New Jersey. 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 (expressed 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 BANK's successors and assignees. 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 Enrollment Form and Fee Schedule, constitutes the entire agreement between you and BANK with respect to the subject matter hereof and there are no understandings or agreements relative hereto which are not fully expressed herein.

Definitions - As used in this Agreement, the words "we", "our", "us" and "BANK" mean Greater Community Bank. "You" and "your" refer to the accountholder authorized by BANK to use ibranch under this Agreement and anyone else authorized by that accountholder to exercise control over the accountholder's funds through ibranch. "Account" or "accounts" means your accounts at BANK. "Electronic funds transfers" means ATM withdrawals, pre-authorized transactions, point of sale transactions, transfers to and from your BANK accounts using ibranch, including bill payments, direct deposit of payroll, ACH origination, Wire Transfers, and EFT Tax Payments. "ibranch Business Services" means the services provided pursuant to this Agreement, including Corporate Bill Payment Service, Payroll, Wire Transfers, EFT Tax Payments, and ACH Origination (both debits and credits). The term "website" means www.GreaterCommunityBank.com. "Business days" means Monday through Friday. Holidays are not included. You can find a list of observed holidays on our website.

Access - To use ibranch, you must have at least one checking account at BANK, access to Internet service, and an e-mail address. Once we have received your signed Enrollment Form, and verified your account information, we will send you, either by e-mail or by postal mail, confirmation of our acceptance of your enrollment, along with your assigned log-in ID and temporary password. ibranch can be used to access only the BANK accounts that you have designated for access by ibranch in your Enrollment Form. You can add or delete any of your BANK accounts from this Agreement by completing a new Enrollment Form. Access to your accounts through ibranch will be based upon the identification of users specified by you in your Enrollment Form. Users authority is determined by the master user specified in your enrollment form. We undertake no obligation to monitor transactions through ibranch to determine that they are made on behalf of the accountholder.

ibranch Business Services - You can use ibranch to check the balance of your BANK accounts, view BANK account histories, transfer funds between your BANK accounts, change your address, and pay bills from your BANK accounts in the amounts and on the dates you request if you have requested the Corporate Bill Payment Service on your Enrollment Form. Additional services available are Direct Deposit of Payroll, ACH Origination, Wire Transfers, and EFT Tax payments. Balance and activity information of the close of a business day is available as of 8:30 a.m. (Eastern Standard Time) the following morning.

Hours of Access - You can use ibranch seven days a week, twenty-four hours a day, although some or all ibranch services may not be available occasionally due to emergency or scheduled system maintenance. We agree to post notice of any extended periods of non-availability on the BANK website. All loan advances, payments, ACH Transmissions, Wire Transfers, EFT Payments, and account transfers made after the designated cut-off time will be processed on the next business day.

Your Password - For security purposes, you are required to change your password upon your initial login to ibranch. 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 ibranch will be revoked. To re-establish your authorization to use ibranch, you must contact us to have your password reset or to obtain a new temporary password.

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.

Security - You understand the importance of your role in preventing misuse of your accounts through ibranch and you agree to promptly examine your paper or electronic statement for each of your BANK accounts as soon as you receive it, or as soon as it is made available to you. 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 ibranch is encrypted in an effort to provide transmission security and ibranch utilizes identification technology to verify that the sender and receiver of ibranch transmissions can be appropriately identified by each other. Notwithstanding our efforts to insure that the ibranch 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 ibranch, or e-mail transmitted to and from us, will not be monitored or read by others.

Fees and Charges - You agree to pay the fees and charges for your use of ibranch Business Services as set forth in the current fee schedule, which you acknowledge may be changed. You agree that all such fees and charges will be deducted from the BANK checking account designated as the "Primary Checking Account" on your Enrollment Form. If you close your Primary Checking Account, you must contact us immediately to designate another account as your Primary Checking Account. You agree to pay any additional reasonable charges for services you request which are not covered by this Agreement. You are also responsible for telephone and Internet service fees you incur in connection with your use of ibranch.

Posting of Transfers - Transfers initiated through ibranch before 3:00 p.m. (Eastern Standard Time) on a business day are posted to your account the same day. Transfers completed after 3:00 p.m. (Eastern Standard Time) on a business day, Saturday, Sunday or banking holiday, will be posted on the next business day. Wire transfers must be sent before 2:00 p.m. (Eastern Standard Time) to be processed on the current business day. All Wire transfers made after 2:00 p.m. (Eastern Standard Time) may be processed the following business day.

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 ibranch that would result in an overdraft of your account may, at our discretion, be cancelled;

c. In the event the electronic fund transfers initiated through ibranch 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.

Limits on Amounts and Frequency of ibranch Transactions - The number of transfers from BANK 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. Any advances on a Revolving Line of Credit have to adhere to the terms set forth within the loan agreement and approved by a loan officer.

ibranch Corporate Bill Payment Service - You must designate the BANK account from which the payments are to be made; the complete name of the payee, the account number, and the payee's remittance address, all exactly as shown on the billing statement or invoice; the amount of the payment; and the date you want the payment to be debited from your account. If the date you want the payment to be debited from your account is not a business day, your account will be debited the next business day before 3:00 p.m. (Eastern Standard Time). By using the ibranch Bill Payment Service option, you agree that, based upon instructions received under your password, we can charge your designated account by electronic transfer, "no signature required draft", or by debiting and remitting funds on your behalf. We reserve the right to refuse to pay any payee designated by you. If we do so, we will notify you promptly.

Scheduling ibranch Payments - If the payee is to be paid by paper, you understand and agree that paper checks are mailed to the payee and the payee may not receive the payment until 5 to 8 business days after the date the payment is debited from your account. If the payee is to be paid electronically, you understand and agree that the payee may not receive the payment until up to 3 business days after the date the payment is debited from your account. You understand and agree that we are not responsible for the timely delivery of mail or the improper transmission or handling of payments by a third party, such as the failure of the bill payment payee to properly post a payment to your account.

How to Cancel a Bill Payment - To cancel a bill payment that you have scheduled through ibranch, you must cancel the payment online via ibranch (by following the onscreen instructions) before 3:00 p.m. (Eastern Standard Time) on the date the payment is scheduled to be debited from your account.

Stop Payment Requests - Stopping the payment of a check is different from the cancellation of a bill payment. Once the bill payment has been debited from your account, you CANNOT cancel or stop a bill payment that has been paid electronically. You may be able to stop an ibranch bill payment paid by paper draft by contacting us by telephone before the paper draft has cleared. (You will have to contact us by telephone to determine if the paper draft has cleared.) If the paper draft has not cleared, we will immediately process your stop-payment request. We will notify you immediately if the paper draft has already cleared. To be effective, this type of stop-payment request must precisely identify the name of the payee, the payee-assigned account number, the amount and scheduled date of the payment, and the ID number from the Bill Payment View Posting Screen. You may also make a stop payment request for a traditional check, assuming it has not cleared, via ibranch.

If you make your stop payment request via ibranch, we will not require you to put your request in written form and to get it to us within 14 days after your request. However, if you make your stop payment request via telephone, we will require you to put your request in written form and to get it to us within 14 days after your call. You will incur stop payment charges as disclosed in the current fee schedule for the applicable account. Stop payment charges for ibranch bill payment paper drafts will be assessed in addition to the stop payment charges for the applicable account.

ACH Origination - If you have requested ACH services (Payroll Disbursement, ACH Origination (both debits and credits), or EFT Tax Payments) the following numbered items are also part of this agreement.

1. Rules
You acknowledge access to a copy of the operating rules of NACHA (as amended from time to time, the "Rules"). You agree to comply with and be bound by the Rules.

2. Transmission of Entries
You will transmit all debit and credit entries to BANK, on or before the following deadlines:

Payroll Disbursement - two business days before the Effective Date;

EFT Tax Payments - three business days before the Effective Date;

ACH Debits (Collections and ACH Receipts) - one business day before the Effective Date

You will conform all entries to the format, content and specifications contained in the Rules. You authorize BANK to transmit all entries received by BANK from you in accordance with the terms of this Agreement and to credit or debit entries to the specified accounts.

3. Financial Institution Obligations
In a timely manner and in accordance with the Rules, BANK will process, transmit, and settle for the entries received from you which comply with the terms of the Agreement, including the security procedures.

4. Warranties
You warrant to BANK all warranties BANK is deemed by the Rules to make with respect to entries originated by you. Without limiting the foregoing, you warrant and agree that (a) each entry is accurate, is timely, has been authorized by the party whose account will be credited or debited and otherwise complies with the Rules; (b) each debit entry is for a sum which, on the settlement (effective) date with respect to it, will be owing to you from the party whose account will be debited, is for a sum specified by such party to be paid to you, or is a correction of a previously transmitted erroneous credit entry; (c) you has complied with all prenotification requirements of the Rules; (d) you will comply with the terms of the Electronic Funds Transfer Act if applicable, or Uniform Commercial Code Article 4A (UCC4A) if applicable and shall otherwise perform its obligations under this Agreement in accordance with all applicable laws and regulations. You will retain the original or copy of the customer authorization record as required by the rules for a period of not less than two (2) years after termination or revocation of such authorization and will, upon request of BANK, furnish such original or copy to BANK. You shall indemnify BANK against any loss, liability or expense (including attorneys' fees and expenses) resulting from or arising out of any breach of any of the foregoing warranties or agreements.

5. Provisional Credit
You acknowledge that the Rules make provisional any credit given for any entry until BANK crediting the account specified in the entry receives final settlement. If BANK does not receive final settlement, it is entitled to a refund from the credited party and the originator of the entry shall not be deemed to have paid the party.

6. Settlement
You will maintain an account with BANK at all times during the term of this Agreement. You will maintain in the account available funds sufficient to cover all credit entries initiated by it. You agree to maintain a balance to cover returns and adjustments to prior funds credited. BANK may debit any account maintained by you at this financial institution or secure necessary collateral to satisfy any amount owing to BANK.

7. Cancellation or Amendment
You shall have no right to cancel or amend any entry/file after its receipt by BANK. However, BANK shall use reasonable efforts to act on a request by you to cancel an entry/file before transmitting it to the ACH or crediting an on us entry. BANK shall have no liability if it fails to effect the cancellation.

8. Rejection of Entries
BANK shall reject any entry, including an on us entry, which does not comply with the requirements of this Agreement and may reject any entry if you are not otherwise in compliance with the terms of the Agreement. BANK shall notify you by telephone of such rejection no later than the business day such entry would otherwise have been transmitted by BANK to the ACH or, in the case of an on us entry, its effective entry date. BANK shall have no liability to you by reason of the rejection of any entry or the fact that such notice is not given at an earlier time than that provided for herein. BANK shall retain the right to reject any on us transaction for any valid reason such as but not limited to insufficient funds or revoked authorization.

9. Notice of Returned Entries & Requests to Correct Information (NOCs)
BANK shall notify you by telephone, e-mail or fax of the receipt of a returned entry or NOC from the ACH no later than one business day after the business day of such receipt. BANK shall have no obligation to retransmit a returned entry if BANK complied with the terms of this Agreement with respect to the original entry. If a your customer returns any transaction, then it is your responsibility to collect any funds that are owed. In the event an entry is returned for correction, you agrees to make said correction before transmitting subsequent live entry to the receiver. You agree not to originate a transaction where authorization has been revoked..

10. Reversals
You may initiate a reversing entry or file of entries as permitted by the Rules.

11. Liability
(a) BANK shall be responsible only for performing the services expressly provided for in this Agreement and shall be liable only for its negligence in performing those services. BANK shall not be responsible for your acts or omissions (including without limitation the amount, accuracy, timeliness of transmittal or due authorization of any entry received from you) or those of any other person, including without limitation any Financial Institution or transmission or communications facility, any Receiver or Receiving Depository Financial Institution (including without limitation the return of an entry by such Receiver or Receiving Depository Financial Institution), and no such person shall be deemed the BANK's agent. You agree to indemnify BANK against any loss, liability or expense (including attorney's fees and expenses) resulting from or arising out of any claim of any person that BANK is responsible for any act or omission of you or any other person described in this Section 13(a).
(b) In no event shall BANK be liable for any consequential, special, punitive or indirect loss or damage which you may incur or suffer in connection with Agreement, including without limitation loss or damage from subsequent wrongful dishonor resulting from BANK's acts or omissions pursuant to this Agreement.
(c) Without limiting the generality of the foregoing provisions, BANK shall be excused from failing to act or delay in acting if such failure or delay is caused by legal constraint, interruption of transmission or communication facilities, equipment failure, war, emergency conditions or other circumstances beyond BANK's control. In addition, BANK shall be excused from failing to transmit or delay in transmitting an Entry if such transmittal would result in BANK's having exceeded any limitation upon its intra day net funds position established pursuant to present or future Federal Reserve guidelines or in BANK's otherwise violating any provision of any present of future risk control program of the Federal Reserve or any rule or regulation of any other U.S. governmental regulatory authority.
(d) Subject to the foregoing limitations, BANK's liability for loss shall be limited to general monetary damages not to exceed the total amount paid by you for the affected ACH service, as performed by BANK under this agreement for the preceding 30 calendar days.

12. Inconsistency of Name and Account Number
You acknowledge that, if an entry describes the receiver inconsistently by name and account number, payment of the entry may be made on the basis of the account number even if it identifies a person different from the named receiver.

13. Data Retention
You shall retain data on file adequate to permit remaking of entries for five (5) business days following the date of their transmittal to BANK as provided herein and shall provide such data to BANK upon its request.

14. Contingency
In the event you cannot create or transmit an ACH file due to hardware or communications outage, it is the responsibility of you to have contingency procedures in place. In the event BANK cannot process the file through normal channels, every effort will be taken by BANK to find alternate means to process the file. BANK will not be held liable for delayed files in any case resulting from hardware or communication outages.

Wire Transfers - Wire transfers requests placed via ibranch shall be subject to the following terms and conditions:

A hold will be placed on the account from which the Wire Transfer is to be made for the amount of the requested Wire Transfer on the date the request is processed by BANK. All Wire Transfer instructions must be requested prior to 2:00 p.m. (Server-time) to allow same day processing. Wire Transfer instructions received after 2:00 p.m. may not be processed until the following business day.
Upon receipt of Wire Transfer instructions requested via ibranch, BANK shall be authorized to transfer funds by wire, telex, book entry, or other means from any account of your designation in such instructions, whether now or hereafter maintained with BANK, to any account designated by you in such transactions.

BANK is also hereby authorized to act upon such other directions and instructions ("Subsequent Instructions") relating to Wire Transfer instructions previously placed through ibranch, including the cancellation or revocation or such prior instructions. Any Subsequent Instructions must be in writing or, if given by telephone, must be confirmed in writing, and must be signed by a person authorized to withdraw funds by means other than ibranch from the account from which the Wire Transfer is to be made. You will indemnify and hold BANK harmless from and against any and all claims, demands, losses, liabilities or expenses, including attorney's fees (whether or not such attorneys are employed by BANK or any other company) incurred by BANK in acting or attempting to act pursuant to any such Subsequent Instructions. Any such Subsequent Instructions must be timely given and BANK makes no representation or warranty as to its ability to revoke or cancel a Wire Transfer once made. In the event BANK receives proper instructions to revoke or cancel a Wire Transfer already made, BANK may, but shall not be obligated to, attempt to recover the funds from the transferee using whatever steps it deems reasonable to accomplish the same, and you will indemnify BANK against any and all claims, demands, losses, liabilities or expenses, including attorney's fees (whether or nut such attorneys are employed by BANK or any other company) which BANK may incur in attempting to effect such recovery of funds.

Not more that 60 days after receipt of a periodic statement for any account that is the subject of a Wire Transfer instruction, you will cause such periodic statement to be examined and will immediately notify BANK of any discrepancy or error therein. Upon request, BANK will provide you with such additional information with respect to said Wire Transfer as you may reasonably request.

You agree that BANK shall not be liable for any error or delay on the part of any agent used by BANK in the execution of any Wire Transfer or related act. Further, BANK shall not be liable for any error or delay in a Wire Transfer or related act due to any cause other than BANK's own negligence. You agree that all damages and other compensation due to it as a result of BANK's negligence in promptly and accurately effecting a request for a Wire Transfer or related act shall be limited to an amount equal to interest on the funds at the federal funds rate paid by BANK at the close of business of each day the error or delay remains uncorrected; provided, however, that if BANK is unable to recover all or any part of erroneously transferred funds for a transferee who has no claim to them, BANK shall be liable for your actual loss, not to exceed the amount of funds which BANK is unable to recover.

Following the receipt of an instruction for a Wire Transfer, BANK reserves the right to verify or authenticate any request for a Wire Transfer or other related act by subsequent telephone calls to one or more of your officers, or by any other means which BANK may deem appropriate, but its failure to verify or authenticate any such instructions shall not be evidence of any failure to exercise reasonable care or good faith. BANK shall not be liable for its refusal to honor any instruction for a Wire Transfer if BANK in good faith is unable to verify or authenticate such instruction to BANK's satisfaction. BANK shall be under no obligation to make any Wire Transfer unless you have a deposit with BANK collected funds sufficient to cover such Wire Transfer.

BANK shall have no obligation with respect to any instruction for a Wire Transfer until accepted by BANK. BANK reserves the right to reject any Wire Transfer instruction as BANK shall reasonably determine in its sole discretion. In the event that BANK rejects any such Wire Transfer instruction, BANK may notify you of any such action by any means reasonable under the circumstance, which need not be in writing.

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 ibranch. You agree and hereby authorize all of these transfers of information. Our privacy policy can be found at our website.

Periodic Statements - You will not receive a separate ibranch statement. Transfers to and from your accounts using ibranch will appear on the respective periodic paper or electronic statements for your BANK accounts.

Change in Terms - We may change any term of this Agreement at any time. If the change would result in increased fees for any ibranch 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 BANK website or forward it to you by e-mail or by postal mail. 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 ibranch Business 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.

In Case of Errors or Questions about Your Electronic Transfers, including Bill Payments - Contact us as soon as you can, if you think your paper or electronic statement is wrong, or if you need more information about a transfer listed on your paper or electronic 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, or 60 days from which an electronic statement was made available to you.
When you contact us:

(1) Tell us your name and account number.

(2) 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.

(3) Tell us the dollar amount of the suspected error.

(4) If the suspected error relates to a bill payment made via the ibranch Bill Payment Service, tell us the account number used to pay the bill, payee name, the date the payment was sent, payment amount, ID number, and the payee account number for the payment in question. (This information appears on the Bill Payment View Posting Screen.)

If you contact us by telephone or by e-mail, we may require that you send us your complaint or question in written form 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.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. 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.

Limitation on Our Liability for Failure to Make a Transfer - If we do not complete a transfer to or from your account, including a bill payment, 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:

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

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

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

(4) 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.

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

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

(7) If you have not provided us with complete and correct payment information for the Bill Payment Service, including, without limitation, the name, address, your payee-assigned account number, payment date, and payment amount for the payee on a bill payment.

(8) If you have not properly followed the on-screen instructions for using ibranch.

(9) 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.

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.

Also, if your paper or electronic 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 or made available electronically to you, you may not get back any money you lost through transactions made after the 60 day time period if we determine that we could have stopped someone from taking the money if you had told us in time.

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 ibranch Business Services provided to you under this Agreement. We do not and cannot warrant that ibranch will operate without errors, or that any or all ibranch Business 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 ibranch; 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 BANK and its affiliates exceed the amounts paid by you for the services provided to you through ibranch.

Your Right to Terminate - You may cancel all or any one of your ibranch Business Services at any time by providing us with written notice by postal mail or fax. You may also cancel your consent to Electronic Delivery of Notices at any time by providing us with written notice by postal mail or fax. Your access to ibranch, and your consent to Electronic Delivery of Notices 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. Accounts electronic only in nature will be transferred to an account with No Electronic Delivery of Notices as indicated in your account Disclosure Statement.

In the event you originated debit entries, you agrees to maintain an account with BANK to settle charge backs for a period of 90 days subsequent to the settlement date of the last debit file originated. BANK shall have no obligation to transmit entries if you are in default of any of its obligation under this Agreement, including the obligation to pay BANK for each credit entry. BANK shall be entitled to rely on any written notice believed by it in good faith to be signed by the officer whose name and signature are set forth on this Agreement.

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

1. Without prior notice, if you have insufficient funds in any one of your BANK accounts. ibranch service may be reinstated, in our sole discretion, once sufficient funds are available to cover any fees, pending transfers, and debits.

2. 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.

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

Communications between 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@greatercommunity.com (Please note that banking transactions through ibranch are not made via e-mail.) Telephone - You can contact us by telephone at (973) 942-1111 Facsimile - You can contact us by fax at (973) 942-9816. Postal Mail - You can write to us at:
		Greater Community Bank 55 Union Blvd. P.O. Box 269 Totowa, New Jersey 07511.
	In Person - You may visit us in person at any one of our locations:
261 Clifton Avenue, Clifton, NJ 535 Getty Avenue, Clifton, NJ 115 Main Street, Little Falls, NJ 126 Newark Pompton Turnpike, Singac, NJ 100 Furler Street, Totowa, NJ 55 Union Boulevard, Totowa, NJ 31 Beaver Brook Road, Lincoln Park, NJ 320 New Road, Parsippany, NJ		145 South Dean Street, Englewood, NJ 175 Rock Road, Glen Rock, NJ 20 Court Street, Hackensack, NJ 284 Boulevard, Hasbrouck Heights, NJ 100 Washington Avenue, Little Ferry, NJ Two Sears Drive, Paramus 100 Midland Avenue, Wallington 271 Valley Boulevard, Wood-Ridge, NJ

Consent to Electronic Delivery of Notices - You agree that any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, including electronic fund transfer disclosures, may be made electronically by posting the notice on the BANK website or by e-mail. You agree to notify us immediately of any change in your e-mail address. You may cancel your consent to Electronic Delivery of Notices at any time by providing us with written notice by postal mail or fax. Your consent to Electronic Delivery of Notices will be suspended within 3 business days of our receipt of your instructions to cancel the service. You will remain responsible for any outstanding fees and charges incurred prior to the date of cancellation. Accounts electronic only in nature will be transferred to an account with No Electronic Delivery of Notices as indicated in your account Disclosure Statement.