Loan Application Information

Before beginning the application process, make sure that you have the following available:

• Your Social Security number, date of birth, military address, and your phone number
• Your most recent pay statement with your base/regular pay and housing allowance
• The amount and source of any additional income (i.e. rental income, retirement pay, etc.) you would like considered
• If you are applying with a co-applicant, you'll need the above information for them as well, along with the name of their current employer, present position, length of time with employer, and end of employment date
• Your Community Bank account information

The online loan application process generally follows the steps below, and takes approximately 15 minutes.

1. E-Sign Disclosure and Consent —In this section you are instructed to review the disclosure and consent pursuant to the federal eSIGN Act. You can print or download a copy of the disclosure for your files. Note that the check box will not be available until after the disclosure is opened and viewed.
2. Applicant, Banking Center Selection, and Loan Product Information —Here we will collect some of your personal and contact information. You will also need to indicate the type and purpose of loan desired, as well as select the Community Bank banking center location at which you would like to close on your loan.
3. Applicant Identification, Address, Employment and Income Information —In this section, we will ask for additional personal information. Community Bank is required by federal law to obtain, verify, and record information that identifies each customer who opens an account with us. When you open an account with us, we will ask for your name, address, contact and other information that will allow us to identify you. We will also ask you to provide your employment and income information, which includes your employer information, monthly regular salary, and any other any other income you would like to include in the application; such as stateside rental income, retirement, etc.
4. Identity Authentication Questions —Once your personal information is entered into the application, the system will perform an identity authentication check by asking you a series of multiple choice questions pertaining to your credit and address history.
5. Co—Applicant Information —If you are applying with a co—applicant (who must also be an authorized Community Bank customer), their personal information including Social Security Number, date of birth, address, phone numbers, and any income (such as their base pay) that should be considered in the application will also be needed.
6. Additional Loan and Automatic Payment Information —On the type of loan you select, we'll need the details of your request, including the amount, the number of payments, and if you would like to set up an automatic deduction of your loan payments from a Community Bank Checking or Savings Account.
7. Submit Application —After a loan application is submitted, you will receive an email response of the decision rendered.

To be eligible for full banking services at Community Bank, you must meet at least one of the requirements below:

• Active duty U.S. Military permanently stationed or on TDY orders greater than 180 days in a country serviced by Community Bank
• U.S. Military Reservist on TDY orders greater than 180 days in a country serviced by Community Bank
• DoD civilian employee or contractor who is a U.S. citizen, residing in a country serviced by Community Bank
• U.S. citizen who is an employee of any other U.S. Government department, agency, or Non-appropriated Fund Instrumentality carrying out functions on a DoD installation in a country serviced by Community Bank.
• Sponsored family member of such military or civilian employee listed above.

In addition, DoD Component Commands may approve banking services for other individuals when they qualify for individual logistic support under regulations of the appropriate military service, which is not precluded by Status of Forces Agreement (SOFA), other intergovernmental agreements, or hosting country or local law.

Electronic Communications Disclosure

Note: This disclosure applies to communications that we provide to you in connection with any or all of your accounts, products and services accessible with Online Banking, or other Community Bank websites.

Please read this Electronic Communications Disclosure ("eCommunications Disclosure") thoroughly — it contains important information about your legal rights. This eCommunications Disclosure covers all of your accounts, products, and services with Community Bank (collectively, "Community Bank", "we", "us", and "our") accessible, either currently or in the future, through Online Banking, or other Community Bank websites. This includes, but is not limited to, the following account, product, and service types: deposit accounts, loan, and other online services. The words "I", "you" and "your" mean each account holder, product owner and/or service user identified on an account, product or service.

(1) Your Legal Rights

Certain laws require us to provide specific information to you in writing, which means you have a right to receive that information on paper. We may provide such information to you electronically if we first present this eCommunications Disclosure and obtain your consent to receive it electronically. Your consent will also apply to any other person named on your account, product or service, subject to applicable law. Since the Online Banking website or Community Bank public website includes some of this information, you must consent to this eCommunications Disclosure in order to use these services. At times, we may still present you with paper disclosures, but as a basic proposition we need to know that you are willing to receive disclosures and other information electronically that otherwise must be provided on paper and that you have the hardware and software needed for access to this information (and note that in Section No. 3 below, we explain ways to obtain selected disclosures or other information on paper even after you have consented to this eCommunications Disclosure).

(2) Types of Electronic Communications You Will Receive

You understand and agree that Community Bank may provide to you in electronic format only, by posting the information on the website where you access your account, product or service, such as Online Banking or the Community Bank public website, or through e—mail (if applicable and if you have provided a valid e—mail address) agreements, disclosures, notices, and other information and communications regarding your accounts, services and products, the use of any Online Banking, or our other web services, your relationship with us, and/or other programs, products or services that are or may be in the future made available to you ("Communications"). Such Communications may include, but are not limited to:

• This eCommunications Disclosure and any updates;
• The Service Agreement, other service or user agreements for online access to Community Bank websites, all updates to these agreements and all disclosures, notices and other communications regarding Online Banking and transactions you make within Online Banking or through other Community Bank websites;
• Disclosures, agreements, notices and other information related to the opening or initiation of an account, product or service including, but not limited to, account agreements, fee schedules or other disclosures or notices that may be required by applicable federal laws and regulations;
• Periodic, annual, monthly or other statements, disclosures and notices relating to the maintenance or operation of an account, product or service including, but not limited to account information, account activity, account inactivity, payments made or due, or other statements, disclosures or notices that may be required by applicable federal laws and regulations;
• Any notice or disclosure regarding an account, product or service fee, such as a late fee, an overdraft fee, an overlimit fee, a fee for a draft, check or electronic debit returned for any reason, such as insufficient funds fee or a fee as a result of a stop payment order;
• Any notice of the addition of new terms and conditions or the deletion or amendment of existing terms and conditions applicable to accounts, products or services you obtain from us;
• Our Privacy Policy and other privacy statements or notices (by posting such notices on our website);
• Certain tax statements or notices that we are legally required to provide to you, such as the annual IRS interest statements; and
• Certain information or forms that we request from you and ask you to submit electronically, such as signature cards, W—9s, or other agreements.

(3) Setting Your Electronic Communications Preferences

After you consent to this eCommunications Disclosure, you will still be able to set your preferences to receive certain Communications in (1) both electronic and paper format; (2) electronic format only; or (3) paper format only. Setting your Communications preferences may not be available for all products, accounts or services. For more information on the availability of your electronic communications preference management options, please refer to the appropriate electronic communications preference page on the website where you access your Communications. If you decide to receive some Communications in paper and some electronically, the Communications that you receive electronically will be governed by this eCommunications Disclosure.

(4) Hardware and Software Requirements

While you may be able to access and retain the Communications using other hardware and software, your personal computer needs to support the following requirements:

For Online Banking:

• An operating system, such as:
  • Windows NT, 2000, ME, XP, Vista, or Win 7; or
  • Macintosh OS 10.x
• Access to the Internet and an Internet browser which supports HTML 4.0 and 128bit SSL encryption and Javascript, such as:
  • For PC using Windows NT, 2000, ME, XP, Vista, or Win 7
    • Microsoft Internet Explorer 7.0 and higher
    • Firefox 3 and higher
    • Chrome 3.0 and higher
  • For Macintosh using OS 10.x
    • Safari 3.0 and higher
    • Firefox 3 and higher
    • Chrome 4.0 and higher

For Community Bank public website:

• You must have access to a personal computer with browser software such as Microsoft Internet Explorer; Adobe Acrobat Reader; and Internet access (at your cost).
• Browser and reader versions necessary to view the Community Bank website are as follows:
  • Microsoft Internet Explorer version 9.0 and later
  • Firefox version 3.5 and later
  • Safari version 3.2 and later

Most Communications provided within Online Banking, or at other Community Bank websites are provided either in HTML and/or PDF format. For Communications provided in PDF format, Adobe Acrobat Reader 6.0 or later versions is required — A free copy of Adobe Acrobat Reader may be obtained from the Adobe website at get.adobe.com/reader/.

In certain circumstances, some Communications may be provided by e—mail. You are responsible for providing us with a valid e—mail address to accept delivery of Communications.

To print or download Communications you must have a printer connected to your computer or sufficient hard—drive space (approximately 1 MB) to store the Communications.

(5) How to Withdraw Your Consent to this eCommunications Disclosure

Subject to applicable law, you may withdraw your consent to this eCommunications Disclosure by calling the appropriate toll—free customer service phone numbers. For Online Banking the customer service phone numbers are available through the Contact Us Page. You will not be charged a fee for withdrawal of your consent.

For Online Banking, if you withdraw your consent, we may stop providing you with Communications electronically and we may terminate your Online Banking access. Your withdrawal of consent is effective only after you have communicated your withdrawal to Community Bank by calling the appropriate customer service phone numbers and Community Bank has had a reasonable period of time to act upon your withdrawal. Your consent shall remain in force until withdrawn in the manner provided in this section.

Remember that you can always set your Communications preferences as described in Section 3 above without withdrawing your consent to this eCommunications Disclosure.

Consent Coverage; Certain Notices From You Are Not Covered. Applicable law or contracts sometimes require you to give us "written" notices. You must still provide these notices to us on paper. Your consent here does not relate to those notices.

(6) Obtaining Copies of Electronic Communications.

You may print or make a copy of Communications by using the "Print" button (or otherwise using your printing functionality) or saving a copy — do this when you first review the Communications because after submission we do not necessarily keep them all in a place that you can access. Upon request, we will provide you with a paper copy of any Communications provided electronically by Community Bank to you pursuant to this eCommunications Disclosure, provided we receive your request within 12 months after the date the Communication was first made available to you electronically. You may request a paper copy of these Communications by calling us at the appropriate toll—free customer service phone number for your account, product or service. Please refer to the Customer Hotline link or the “Contact Us” link within the Community Bank public website or Online Banking to find the appropriate customer service phone number. In Online Banking, you may also access certain documents through the Service Center link.

Be sure to specify your account, service or product identification number, as applicable, the specific Communication for which you are requesting a paper copy, and the address to which it should be mailed. We may charge fees for paper copies of the Communications.

(7) Updating Your Contact Information

In the event that your e—mail address or other contact information is changed, you must notify Community Bank of such changes immediately through one of the following methods:

• For Online Banking, access the Service Center option and select “Services”, then “Change Address, Email, Phone Numbers or DEROS date” to update your contact information; or
• Call the appropriate toll—free customer service phone number and communicate the contact information changes.

(8) Retain Copies for Your Records

We recommend that you print or download a copy of this eCommunications Disclosure, the Service Agreement and all other Communications to retain for your permanent records; if you have not already placed a copy of our Privacy Policy in your records, you can obtain another copy. If you are initiating the Online Banking enrollment process at a banking center, the banking center associate can provide you with paper copies.

Community Bank is a Department of Defense owned banking program operated through a contract with a commercial financial institution. The Defense Finance and Accounting Service, in coordination with the Military Service banking representatives, is responsible for the oversight and management of Community Bank. Community Bank is referred to as "Community Bank" "the Bank" "we" or "us" within this policy.

Bank of America, N.A. currently operates Community Bank under a contract with the Defense Finance and Accounting Service. In accordance with that contract, Community Bank may be identified as "Community Bank, Operated by Bank of America." Nevertheless, your relationship is with Community Bank, not Bank of America, N.A. Additionally, neither this policy nor other documents associated with your account(s) at Community Bank create a contractual, fiduciary, quasi-fiduciary or special relationship between you and Bank of America, N.A. Community Bank values your privacy and is committed to protecting the information you provide us. The Privacy Policy, effective May 25, 2018, explains how we may collect information from you when you visit our online applications. Customer information means personally identifiable information about a consumer.

Important Information Related to EU Data Protection

Community Bank recognizes the importance of maintaining the privacy of individual information in compliance with applicable legal and regulatory requirements. Our EU Privacy Notice outlines how Community Bank in the European Union collects, uses, processes, and shares personal information as well as the rights individuals may have in relation to our use of that information. To review a copy of the EU Privacy Notice, please click here.

Protecting Information About You From Marketers Outside Community Bank

Community Bank does not sell or share any customer information with marketers outside Community Bank, who may want to offer you their own products and services. You don't need to take any action for this benefit.

Making the Security of Information a Priority

Keeping financial information secure is one of our most important responsibilities. We maintain physical, electronic and procedural safeguards to protect customer information. Personnel are authorized to access customer information only when they need it to provide you with accounts and services or to maintain your accounts. Our personnel are bound by a code of ethics that requires confidential treatment of customer information and are subject to disciplinary action if they fail to follow this code.

Collecting Information

When you visit our website, we may collect the following information in order to service your accounts, save you time and money, and better respond to your needs:

• Information that you provide to us online in applications and through other means. Examples include your assets, income, and debt.
• Information about your online transactions and account experience, as well as information about our online communications with you. Examples include your activity on the website, such as account balances, payment history, parties to transactions and requests for copies of checks and our responses.
• Information from a consumer report. Examples include your creditworthiness and credit history.
• Information from outside sources regarding your employment, credit, and other relationships with you or verifying representations made by you. Examples include your employment history, loan balances, and credit card balances.
• We may also collect information online through cookies, which are pieces of information stored directly on the computer you are using. Cookies can contain a variety of information, such as a simple count of how often you visit a website or information that allows customization of a website for your use. Community Bank uses cookies to display information more effectively to you and to gather data about the usage of our website. Any time a cookie is used, personal information is encrypted for our use only and protected from third party access.
• Information from outside sources, such as data from public records, that is not assembled or used for the purpose of determining your eligibility for a product or service.

Managing Information With Companies That Work for Us

We do not sell or share customer information with marketers outside Community Bank who may want to offer you their own products and services. We may share any customer information outlined in this policy with our family of companies and/or companies that work for us. All companies that act on our behalf are contractually obligated to keep the information we provide to them confidential, and to use the customer information we share only to provide the services we ask them to perform for you and us. These companies may include financial service providers such as payment processing companies, and non-financial companies such as check printing and data processing companies. These companies might assist us, for example, in processing your transactions, mailing account statements and fulfilling your service requests.

Disclosing Information in Other Situations

We also may share customer information we collect about you with credit bureaus and similar organizations, and when required or permitted by law. For example, customer information may be disclosed in connection with a subpoena or similar legal process, a fraud investigation, to companies that process your requests for products or services, or the sale of your account to another financial institution. We may also share customer information outside Community Bank if we have your consent.

Making Sure Information is Accurate

Keeping your account information accurate and up to date is very important. You have access to your account information through various means, such as account statements, telephone banking, online banking, mobile banking, and in response to specific requests. If your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or address listed on your account statement, bank records or other documentation. We will promptly update or correct any erroneous information. If you have questions or feel that we have not handled information about you properly, please contact our Customer Service center, and we will investigate your inquiry or complaint.

Changes to the Privacy Policy

If changes are made to the Privacy Policy or any material changes to our online services, we will revise the Privacy Policy to reflect such changes and revise the policy's effective date. Following these changes, your use of dodcommunitybank.com, a Community Bank mobile application, or other sites or consumer applications owned and operated for the purposes of operating the Military Banking contract, means that you accept the revised notice.

When completing your online loan application, the process works best with Microsoft Internet Explorer 11. If you experience problems with completing the online application, visit your local banking center to apply with an associate.