Member Bank (Acquirer) Information: Commercial Bank of California, 19752 MacArthur Blvd., Suite 100, Irvine, CA 92612

Telephone: 310-882-4866 Email: bankcard@cbcal.com

Important Bank Responsibilities:

Commercial Bank of California is the only entity approved to extend acceptance of Card Brand products directly to a merchant.

Commercial Bank of California must be a principal party to the merchant agreement.

Commercial Bank of California is responsible for, and must provide settlement funds to, the merchant.

Commercial Bank of California is responsible for all funds held in reserve that are derived from settlement.

Commercial Bank of California is responsible for educating merchants on pertinent Card Brand Rules with which merchants must comply.

Important Merchant Responsibilities:

• Ensure compliance with cardholder data security and storage requirements.
• Maintain fraud and disputes below thresholds.
• Review and understand the terms of the merchant agreement.
• Comply with Card Brand Rules.

The responsibilities listed above do not supersede terms of the merchant agreement and are provided to ensure the merchant understands important obligations of each party, Commercial Bank of California, is the ultimate authority should the merchant have any problems.