| | PNB - AGREEMENT FOR ONLINE ACCESS Pacific Direct Web® |
 | | PNB will make available for access, all Accounts, whether personal or corporate, provided: (i) PNB’s records establish that you are the common owner of all such personal and corporate Accounts; and (ii) you are the sole authorized signer on all of the Accounts. |
 | | PNB and/or a third party acting as PNB’s agent, are responsible, for completing fund transfers and bill payments from the Accessed Accounts in a timely manner, according to your properly entered and transmitted instructions. |
 | | PNB may waive any term or provision of this agreement at any time or from time to time, but any such waiver shall not be deemed a waiver of the term or provision in the future. |
| www.pnb.com /PNBweb/ServiceAgreement.aspx (3632 words) |