Welcome to Cape Cod Five. Please use this helpful guide to learn more about the transition to your new Cape Cod Five accounts.

Transcription

1 Welcome to Cape Cod Five Please use this helpful guide to learn more about transition to your new Cape Cod Five accounts.

2 Welcome Cape Cod Five is is here for for you you today and and every every day. day. We are so pleased to have this opportunity to to serve you in in Falmouth. Founded in 1855, Cape Cod Five has has a a long long history making our our customers our top our priority. top priority. We diligently Cape Cod work Five to is provide unquestionably you with committed personalized to our service, customers financial and our products, communities. and latest We technology diligently work you need to provide for your you busy with lives. personalized service, financial products Cape Cod and Five s latest long and technology rich heritage you need is one for your our busy greatest lives. We assets. are From pleased to single fer banking our customers location that many opened benefits more that than come 160 years with ago, our strength Cape Cod and Five stability. has grown to be one largest In community addition, banks as part on Cape our Cod, community Islands, banking and mission, Souastern we are Massachusetts. committed We to are engaging pleased with to fer our our communities customers through many responsible benefits that business come with practices, our strength like our and green stability. initiative, financial education, Cape Cod Five volunteerism is unquestionably and financial committed support to to our myriad customers local non-prit and our communities. organizations. Our strength allows us to show that A commitment full-service by community providing bank, our support we are to looking myriad forward regional to nonprit serving you in late spring, at newly renovated 668 organizations Main Street through location. Bank sponsorships and grants from our Foundation as well as through employee volunteerism. A full-service community bank, we are looking forward to serving you at our current 763 Main Street location and, in late spring, at newly renovated 668 Main Street location. Dorothy A. Savarese President & CEO The Dorothy Cape A. Cod Savarese Five Cents Savings Bank President & CEO The Cape Cod Five Cents Savings Bank Meet your Branch Manager We would like to take this opportunity to welcome you to our Falmouth branch! This is an exciting time for us. We will be in process renovating former Mutual Bank branch at 668 Main Street and expect to relocate re in late spring. In meantime, our team is looking forward to serving you at our current 763 Main Street location. Our experienced financial services pressionals would be pleased to assist you with all your banking needs. Please feel free to stop by our branch to meet team. Patricia Erickson Falmouth Branch Manager Assistant Vice President The Cape Cod Five Cents Savings Bank Table Contents Please use this helpful guide to to learn more about your new new Cape Cape Cod Cod Five Five accounts. What you need to know What Important you need Information to know... Important Information Dates...1 Important... Dates...2 Accounts... Accounts Updated Account... Terms Overview Basic Account Updated Terms Account and Conditions Terms Overview Basic Free Account Choice Terms and... Conditions Free Interest Choice Interest 18/65 Personal Savings, 18/65 Money Personal Market, Certificates Deposit... Savings, Savings Money and Money Market, Market Certificates Updated Deposit Account Terms Overview... Safe Savings Deposit Accounts, Boxes... Money Market Accounts, Certificates Deposit Cape Savings Cod Five and Products Money Market and Services Updated... Account Terms Overview Meet Falmouth Team... Safe Deposit Boxes Important Documents and Disclosures Personal Overdraft Protection Plans Truth In Savings... Cape Cod Five Products and Services Fee Schedule... Account Access...20 Personal Overdraft Protection Plans... Meet Falmouth Team Privacy Notice... Important Documents and Disclosures All About Your Personal Deposit Account Account Terms and Conditions... Funds Availability Policy... Electronic Fund Transfers... Transition Weekend Important Dates: Substitute Checks... Cape Cod Five Branch, Office and ATM Locations... Friday, April 29 Begin using your new Cape Cod Five debit card at 2:30 p.m. Mutual Bank Falmouth branch closes at 3:00 p.m. for renovations Last day to perform transactions in Mutual Bank Online, Mobile and Telephone Banking Transition Weekend Important Dates: Saturday, April 30 Friday, April 29 Begin using your new Cape Cod Five checks Begin using your new Cape Cod Five debit card at 2:30 p.m. Monday, Mutual May Bank 2 Falmouth branch closes at 3:00 p.m. for renovations Cape Last day Cod to Five perform Falmouth transactions branch in available Mutual Bank Online, How Mobile may we and help Telephone you? Banking Saturday, 763 April Main 30Street to serve you Access Begin using your your accounts new through Cape Cod Cape Five Cod checks If you have questions or need Five Online, Mobile and Telephone Banking assistance, call our Customer Monday, May 2 Cape Cod Five Falmouth branch open at 763 Main Service Street to Center serve you at See page 2 for additional information regarding transition Access your and important accounts through dates. Cape Cod Five Online, or visit Mobile any and Cape Telephone Cod Five Banking branch. See page for additional information regarding transition and important dates. Cape Cod Five Customer Service Center is available at or [email protected] to answer any questions you may have throughout this process. We look forward to serving you! 1

3 Important Here for you Information Important Dates Important Dates What What you you need need to know to know We are looking forward to serving to serving you. We you. are We working are working to make to make transition as transition smooth as as possible smooth and as would possible like and to provide would you like with to provide some information you some on information this transition this and transition important and dates. important dates. We are here to to help! help! If you If you have have any any questions questions or need or assistance need assistance before, during before, or during after or transition after period, transition please period, call our please Customer call our Service Customer Center Service at Center at or visit a Cape Cod or Five visit branch. a Cape Cod Five branch. Below please find some important information and dates to assist you in this transition period. Beginning at 2:30 p.m. on Friday, April 29, your deposit account(s) opened at Mutual Bank Falmouth branch will transition to Cape Cod Five. If you have any Mutual Bank loan accounts, those accounts will be unchanged and remain with Mutual Bank. Beginning at 2:30 p.m. on Friday, April 29, your deposit account(s) opened at Mutual Bank Falmouth branch will Account transition Numbers to Cape Cod Your Five. current If you Mutual have Bank any Mutual account Bank number loan will accounts, remain those same accounts after will be unchanged transition and remain to Cape with Cod Mutual Five. Bank. Beginning on Saturday, April 30, please provide new routing number ( ) and your current account number to any entities presently sending direct Account Numbers deposits or Your automatic current payments Mutual Bank to account or from your number account. will remain same after transition to Cape Cod Five. Beginning on Saturday, April 30, please provide new routing number ( ) and your current Branch account Location number to The any Mutual entities Bank presently branch sending located direct at 668 deposits Main Street or automatic will close payments at 3:00 p.m. to or from your on account. Friday, April 29. This location will reopen as a Cape Cod Five branch in late spring. Beginning on Monday, May 2, Cape Cod Five s existing Falmouth branch and ATM will be available to serve Branch Location you 763 The Main Mutual Street. Bank branch located at 668 Main Street will close at 3:00 p.m. on Friday, April 29. This location will reopen as a Cape Cod Five branch in late spring. Beginning on Monday, May 2, Cape Cod Five s existing Falmouth branch and ATM will be open to serve you at 763 Main Street. Checks A complimentary supply Cape Cod Five checks will be mailed to you week Debit/ATM April Cards 11 for For any those accounts holding with a Mutual issued Bank checks. debit Please card/atm begin card to use that your has Cape been Cod used Five in checks past six months, on a new Saturday, Cape April Cod 30. Five VISA Check Card (debit card) and PIN will be mailed to you week April 11. Please continue using your existing Mutual Bank debit or ATM card until 2:30 p.m. on Friday, April 29. Debit/ATM Cards For those holding a Mutual Bank debit card/atm card that has been used in past six months, a new Cape Cod Five VISA Check Card (debit card) or ATM card and Safe Deposit PIN Boxes will be mailed Safe deposit to you boxes week at April Mutual 11. Please Bank Falmouth continue using branch your will existing have no Mutual change Bank in location. Please debit see or ATM page card until for information 2:30 p.m. on on Friday, accessing April your 29. safe deposit box while location at 668 Main Street is undergoing renovation. As part transition, you will need to sign a new safe deposit lease agreement Deposit with Insurance Cape Cod All Five deposits after Monday, at Cape May Cod 2. Five are insured in full through a combination insurance provided by Federal Deposit Insurance Corporation (FDIC) and Depositors Checks A complimentary supply Cape Cod Five checks will be mailed to you week April 11 for Insurance Fund (DIF). For additional information on DIF, visit any accounts with issued checks. Please begin to use your Cape Cod Five checks on Saturday, April 30. Statements Online You and will receive Mobile a Banking final Mutual Users Bank Additional statement information dated as for Friday, Online April and 29 Mobile for applicable Banking accounts. users will be mailed in mid-april. Please note that Online Banking transaction history (including Bill Pay) will not transition to Cape Cod Five Online and Mobile Banking. Online and Mobile Banking Users Additional information for Online and Mobile Banking users will be mailed in mid-april Passbooks with instructions If you have on a Mutual how to Bank access passbook Cape Cod and Five would Online like and transaction Mobile Banking history, after please account transition update is your complete. existing Please passbook note at that Mutual Online Bank s Banking Falmouth transaction location history prior (including to or on Friday, Bill Pay) April will not transition 29. to After Cape Monday, Cod Five May Online 2, please and Mobile visit any Banking. Cape Cod Five branch to receive a replacement passbook when you present your Mutual Bank passbook. Passbooks If you have a Mutual Bank passbook and would like transaction history, please update your existing passbook at Mutual Bank s Falmouth location prior to or on Friday, April 29. After Monday, May 2, Safe Deposit Boxes Safe deposit boxes at Mutual Bank Falmouth branch will have no please visit any Cape Cod Five branch to receive a replacement passbook when you present your Mutual change in location. Please see page 17 for information on accessing your safe deposit box while Bank passbook. location at 668 Main Street is undergoing renovation. As part transition, you will need to sign a new safe deposit lease agreement with Cape Cod Five after Monday, May 2. Timeline Week April 11 Cape Cod Five Visa debit/atm cards with new PINs mailed to Mutual Bank debit/atm cardholders who have used ir card in last six months. Cape Cod Five checks mailed to account holders with Mutual Bank checks. Online and Mobile Banking users will be mailed instructions on how to access Cape Cod Five Online and Mobile Banking after 8:00 a.m. on Monday, May 2. On or before April 29 Friday, April 29 Passbook holders Passbook holders who would like complete account history, please update your existing passbook at Mutual Bank s Falmouth location. Online Banking Users - Online Banking users who would like to retain transaction history (including Bill Pay) should download or print that information from Online Banking. Transition Weekend Friday, April 29 through Sunday, May 1 At 3:00 p.m., Mutual Bank Falmouth branch will close for renovations. Online and Mobile Banking Friday, April 29, will be last day to perform transactions using Mutual Bank Online and Mobile Banking. Debit/ATM Card Users Beginning at 2:30 p.m. on Friday, April 29, you may activate your new Cape Cod Five debit/atm card. If you currently use your card for automatic account deductions or recurring payments, please provide your new Visa debit card number to your payees. Discontinue using your Mutual Bank debit card/atm card. Saturday, April 30 Please begin using Cape Cod Five checks mailed to you. Please provide Cape Cod Five routing number to any entities sending direct deposits or payments to or from your account. Securely dispose any Mutual Bank checks or deposit slips associated with your account. Safe Deposit Boxes During renovation period for former Mutual Bank branch, please call to make an appointment to access your safe deposit box. If unscheduled access is needed, please call or visit Cape Cod Five s branch at 763 Main Street during regular business hours. Monday, May 2 Cape Cod Five s Falmouth branch and ATM at 763 Main Street are available to serve you. The former Mutual Bank branch at 668 Main Street will reopen as a Cape Cod Five branch later this spring. You will have access to full range products and services fered by Cape Cod Five. Visit call or visit any branch to learn more. Statements You will receive a final Mutual Bank statement dated as Friday, April 29, for applicable accounts. Online and Mobile Banking Cape Cod Five Online and Mobile Banking available for former Mutual Bank customers. 12 Passbook Holders If you have a Mutual Bank passbook, please visit any Cape Cod Five branch at your convenience after Monday, May 2, to receive a replacement Cape Cod Five passbook when you present your Mutual Bank passbook. 23

4 Accounts Your checking account will transition to Cape Cod Five checking account that is most similar to account you currently have at Mutual Bank beginning on Friday, April 29, at 2:30 p.m. Please locate your current Mutual Bank account and review features and changes your new account. To help facilitate a smooth transition, your Mutual Bank account will be automatically transitioned to account type shown below. Your account number will remain same. Where applicable, account monthly maintenance fees will be waived for first month following your account s transition to Cape Cod Five. Over next month, you will receive via mail: new Cape Cod Five checks, new Cape Cod Five Visa Check Card (debit card) or ATM card if you currently have a Mutual Bank debit card or ATM card, and additional detailed information regarding transition your account. Mutual Bank will mail you a final statement account activity as Friday, April 29. We ve highlighted some updated account terms which you should be aware on Updated Account Terms Overview beginning on page 5. For complete information on your new account, please see important documents and disclosures beginning on page 22 this guide. How may we help you? If you have questions or need assistance, call our Customer Service Center at or visit any Cape Cod Five branch. Current Mutual Bank Account New Cape Cod Five Account Cape Cod Five Account Overview How to avoid a monthly maintenance fee Pays Interest Account Access 50+ Free Interest High Interest Reward Direct Free Security Federal Savings Bank NOW No Minimum Interest Interest The Interest account allows you to earn interest while maintaining instant access to your funds. Maintaining a Daily Balance $1,000 waives $5 monthly maintenance fee. Yes when your balance exceeds $10 All Cape Cod Five checking accounts include access to: Online Banking and Bill Pay Mobile Banking (including ability to deposit checks) Telephone Banking Beginning on Friday, April 29, you will have access to full network Cape Cod Five ATMs with your Cape Cod Five debit or ATM card. Visit for locations. Totally Free RealTUNES Security Federal Savings Bank Secure Free Choice The Free Choice account fers you convenient banking and no monthly maintenance fee. There is no monthly maintenance fee. None Cape Cod Five participates in SUM Program. Therefore, if you use ATMs with SUM logo, you will not be assessed surcharges on your ATM withdrawal. Find a SUM ATM at Veterans Direct Free Interest Interest Veterans /65 Totally Free 18/65 Personal The Interest account allows you to earn interest while maintaining instant access to your funds. For customers transitioning from a Mutual Bank Veteran s Account, monthly maintenance fee will be waived and future check orders will be complimentary. The 18/65 Personal Account provides you with convenient banking and no monthly maintenance fee along with complimentary checks. The monthly maintenance fee will be waived. There is no monthly maintenance fee. Yes when your balance exceeds $10 None Current Mutual Bank Online and Mobile Banking Users: Friday, April 29, will be last day to perform transactions in Mutual Bank Online and Mobile Banking. Cape Cod Five Online and Mobile banking will be available for first-time login beginning at 8:00 a.m. on Monday, May 2. Please note that account history (including Bill Pay) and estatements will not transition to Cape Cod Five, so you may want to save or download this information on or before Friday, April 29. Additional information will be mailed to you in mid-april. 3 4

5 Updated Account Terms Overview To assist you in this transition, some updated account terms are highlighted below for your new Cape Cod Five account(s). Full Terms and Conditions, along with additional legal documents associated with your Truth in Free Choice 18/65 Personal new account(s), can be found in section marked Important Interest Documents and Disclosures on page 22. Savings Truth in Savings Free Choice Interest Compounding N/A Interest will be compounded N/A and Crediting every month. Interest will Frequency Mutual Bank Rewards The Real Tunes checking be added The back Mutual to principal Bank Rewards account transaction every month. If you close account your transaction requirements and rewards, account before requirements, interest is benefits including ATM and itunes credited, you and will ATM receive refunds will be refunds, will be discontinued accrued as interest.* discontinued as April 29. April 29. Accrual Interest on Noncash Compounding and Deposits Crediting Frequency Minimum Balance Requirements Account Opening *If you had a Reward at Mutual Bank, this frequency is not a change. 5 18/65 Personal N/AApril rewards and benefits will Interest be credited begins to your to accrue account no effective N/A May 2. later than first business N/A day following Interest will business be compounded N/A day you deposited every month. noncash Interest will items (for be example, added back checks). to principal every month.* If you close You must deposit at You must your deposit account at least before interest You is must deposit at least least $25.00 to open $ to credited, open this you will receive $ to open this this account. account. accrued interest. account. Maintenance Accrual Interest Fee on N/A N/A A maintenance Interest fee begins to accrue N/A no Noncash Deposits $5.00 will later be imposed than first business every statement day following cycle if business balance in day you account deposited falls noncash below $1, items (for any example, day checks). cycle. Minimum Balance You must deposit at least You must deposit at least Fees Requirements Paid or $28.00 $25.00 to open this account. $28.00 $ to open this account. $5.00 Returned Account Opening Item (NSF) N/A N/A You must deposit at least $ to open this account. Fees Maintenance Paid or Fee Returned Item (UAF) $26.00 N/A $26.00 A maintenance fee $5.00 No Fee will be imposed every statement cycle if balance in account falls below N/A Daily Caps The total combined number NSF and/or $1, UAF any fees day assessed cycle. will be capped at four Fees Paid or Returned Item (Insufficient Funds) Fees Paid or Fees Returned Stop Item Payment, (Unavailable per Funds) Item Daily Caps Check Printing Fee occurrences. $28.00 $28.00 $5.00 If after processing all debits on your account, your account s available balance is overdrawn less than $5.00, NSF and UAF fees will be waived. (Note: Funds from card authorizations are considered deducted from your account s available balance when approved.) $26.00 $26.00 No Fee $20.00 $20.00 No Fee The total combined number NSF and/or UAF fees assessed will be capped at four occurrences. Varies Varies No Fee If after processing all debits on your account, your account s available balance is overdrawn less than $5.00, NSF and UAF fees will be waived. (Note: Funds from card authorizations are considered deducted from your account s available balance when approved.) *If Fees you had Stop a Reward Payment, $20.00 at Mutual Bank, this frequency is $20.00 not a change. No Fee per Item Check Printing Fee Varies Varies No Fee Electronic Funds Transfers Visa Check Card (debit card) Using your new Visa debit card you may access your checking account to purchase goods, pay for services (in person, by phone, fax, mail or internet) or get cash from a merchant, if merchant permits, or from a participating financial institution. You may use your Visa debit card anywhere Visa debit cards are accepted. Transaction Limits - Standard Daily Transaction Limits for ATM Card You generally may make up to 10 transactions per day, and may withdraw up to $360 in cash (inclusive fees and surcharges) per day. Standard Daily Transaction Limits for Visa debit card You generally may make up to 25 transactions per day, and may withdraw up to $510 in cash (inclusive fees and surcharges) and purchase up to $1,500 in goods and services per day. Fees - Visa Currency Conversion and International Transactions When you use your debit card at a merchant or terminal that settles in currency or than US dollars, charge will be converted into US dollar amount. The currency conversion rate used to determine transaction amount in US dollars is eir a rate selected by Visa from range rates available in wholesale currency markets for applicable central processing date, which rate may vary from rate Visa itself receives, or government-mandated rate in effect for applicable central processing date. The conversion rate in effect on processing date may differ from rate in effect on transaction date or posting date. Visa USA charges us a 0.8% International Service Assessment on all international transactions, regardless wher re is a currency conversion. If re is a currency conversion, International Service Assessment is 1% transaction. In eir case, we pass this international transaction fee on to you. An international transaction is a transaction where country merchant is located outside USA. MasterCard /Cirrus Currency Conversion and Cross- Border Transaction Fees If you effect a transaction at a Cirrus terminal using your debit card or ATM card and that transaction is in a currency or than US dollars, MasterCard will convert charge into a US dollar amount. The MasterCard currency conversion procedure includes use eir a governmentmandated exchange rate, or a wholesale rate selected by MasterCard. The exchange rate MasterCard uses will be a rate in effect on day transaction is processed. This rate may differ from rate in effect on date purchase or date transaction was posted to your account. MasterCard charges us a Currency Conversion Assessment 20 basis points (0.2% transaction) for performing currency conversion. In addition, MasterCard charges us an Issuer Cross-Border Assessment 90 basis points (0.9% transaction) on all cross-border transactions regardless wher re is a currency conversion. As a result, we charge you a Currency Conversion fee 0.2% and a Cross-Border Transaction fee 0.9%. The Cross-Border Transaction fee is charged on all cross-border transactions regardless wher re is a currency conversion. A cross-border transaction is a transaction processed through Global Clearing Management System or MasterCard Debit Switch in which country merchant is different than country cardholder. ATM Fees You will be charged $1.00 for using a non Cape Cod Five ATM after 5 free transactions per card number per statement cycle. For Error Resolution - You may contact our Customer Service Center at or PO Box 10, Orleans, MA Funds Availability Funds from deposits cash, wire transfers, and electronic direct deposits will be immediately available at time deposit. If you make a deposit at an ATM before 3:30 p.m. on a business day that we are open, we will consider that day to be day your deposit. However, if you make a deposit at an ATM after 3:30 p.m. or on a day we are not open, we will consider that deposit was made on next business day that we are open. Overdraft Protection Overdraft Privilege Service - Mutual Bank s overdraft privilege service will be discontinued as Friday, April 29. Cape Cod Five fers several overdraft options as outlined in enclosed Personal Overdraft Protection Plans document. Card Opt In - Cape Cod Five does not allow personal cardholders to opt-in to overdraft service for debit and ATM transactions. Link to a savings or money market By linking a savings or money market account to your checking account, Bank will automatically transfer funds from your savings or money market to your checking account when your checking account has a negative balance. It s called Overdraft Transfer Service and costs $5 per daily transfer. Money is transferred from your savings or money market in increments $25 until balance in checking account is above $0. 6

6 Updated Account Terms Overview Electronic Funds Transfers Truth in Free Choice 18/65 Personal Visa Check Card (debit card) Using your new Visa MasterCard charges us a Currency Conversion Interest Savings debit card you may access your checking account to Assessment 20 basis points (0.2% transaction) purchase goods, pay for services (in person, by phone, for performing currency conversion. In addition, fax, mail or internet) or get cash from a merchant, if MasterCard charges us an Issuer Cross-Border Compounding N/A Interest will be compounded N/A merchant permits, or from a participating financial institution. You may use your Visa debit card anywhere on all cross-border transactions regardless wher Assessment 90 basis points (0.9% transaction) and Crediting every month. Interest will Frequency be added back to principal every month. If you close your account before interest is credited, you will receive accrued interest.* Accrual N/A Interest begins to accrue no N/A Interest on later than first business Noncash day following business Deposits day you deposited noncash items (for example, checks). Minimum Balance You must deposit at You must deposit at least You must deposit at least Requirements least $25.00 to open $ to open this $ to open this Account Opening this account. account. account. Maintenance Fee N/A A maintenance fee N/A $5.00 will be imposed every statement cycle if balance in account falls below $1, any day cycle. Fees Paid or $28.00 $28.00 $5.00 Returned Item (NSF) Fees Paid or $26.00 $26.00 No Fee Returned Item (UAF) Daily Caps The total combined number NSF and/or UAF fees assessed will be capped at four occurrences. If after processing all debits on your account, your account s available balance is overdrawn less than $5.00, NSF and UAF fees will be waived. (Note: Funds from card authorizations are considered deducted from your account s available balance when approved.) Fees Stop $20.00 $20.00 No Fee Payment, per Item Check Printing Varies Varies No Fee Fee *If you had a Reward at Mutual Bank, this frequency is not a change. 6 7 Visa debit cards are accepted. Transaction Limits - Standard Daily Transaction Limits for ATM Card You generally may make up to 10 transactions per day, and may withdraw up to $360 in cash (inclusive fees and surcharges) per day. Standard Daily Transaction Limits for Visa debit card You generally may make up to 25 transactions per day, and may withdraw up to $510 in cash (inclusive fees and surcharges) and purchase up to $1,500 in goods and services per day. Fees - Visa Currency Conversion and International Transactions When you use your debit card at a merchant or terminal that settles in currency or than US dollars, charge will be converted into US dollar amount. The currency conversion rate used to determine transaction amount in US dollars is eir a rate selected by Visa from range rates available in wholesale currency markets for applicable central processing date, which rate may vary from rate Visa itself receives, or government-mandated rate in effect for applicable central processing date. The conversion rate in effect on processing date may differ from rate in effect on transaction date or posting date. Visa USA charges us a 0.8% International Service Assessment on all international transactions, regardless wher re is a currency conversion. If re is a currency conversion, International Service Assessment is 1% transaction. In eir case, we pass this international transaction fee on to you. An international transaction is a transaction where country merchant is located outside USA. MasterCard /Cirrus Currency Conversion and Cross- Border Transaction Fees If you effect a transaction at a Cirrus terminal using your debit card or ATM card and that transaction is in a currency or than US dollars, MasterCard will convert charge into a US dollar amount. The MasterCard currency conversion procedure includes use eir a governmentmandated exchange rate, or a wholesale rate selected by MasterCard. The exchange rate MasterCard uses will be a rate in effect on day transaction is processed. This rate may differ from rate in effect on date purchase or date transaction was posted to your account. re is a currency conversion. As a result, we charge you a Currency Conversion fee 0.2% and a Cross-Border Transaction fee 0.9%. The Cross-Border Transaction fee is charged on all cross-border transactions regardless wher re is a currency conversion. A cross-border transaction is a transaction processed through Global Clearing Management System or MasterCard Debit Switch in which country merchant is different than country cardholder. ATM Fees You will be charged $1.00 for using a non Cape Cod Five ATM after 5 free transactions per card number per statement cycle. For Error Resolution - You may contact our Customer Service Center at or PO Box 10, Orleans, MA Funds Availability Funds from deposits cash, wire transfers, and electronic direct deposits will be immediately available at time deposit. If you make a deposit at an ATM before 3:30 p.m. on a business day that we are open, we will consider that day to be day your deposit. However, if you make a deposit at an ATM after 3:30 p.m. or on a day we are not open, we will consider that deposit was made on next business day that we are open. Overdraft Protection Overdraft Privilege Service - Mutual Bank s overdraft privilege service will be discontinued as Friday, April 29. Cape Cod Five fers several overdraft options as outlined in enclosed Personal Overdraft Protection Plans document. Card Opt In - Cape Cod Five does not allow personal cardholders to opt-in to overdraft service for debit and ATM transactions. Link to a savings or money market By linking a savings or money market account to your checking account, Bank will automatically transfer funds from your savings or money market to your checking account when your checking account has a negative balance. It s called Overdraft Transfer Service and costs $5 per daily transfer. Money is transferred from your savings or money market in increments $25 until balance in checking account is above $0. Free Choice Basic Terms and Conditions Free Choice Basic Terms and Conditions Minimum Deposit Needed to $25.00 Open Account Monthly Fee $0.00 Processing Policies (continued) Deposit Hold Policy When funds deposited to your account are available Cash deposit with teller: immediately Cash deposit at ATM: immediately Check deposit with Teller: next business day Check deposit at ATM: next business day Direct deposit: immediately Wire transfer: immediately Funds you deposit by check may be delayed for a longer period under certain circumstances. We will notify you if we delay your availability to withdraw funds for any reason and we will tell you when funds will be available. Account Opening and Usage Overdraft Options for Consumers with Debit Cards Processing Policies Requirements to Waive N/A Monthly Fee Interest-Bearing No ATM Fees $0.00 for using an ATM in your institution s ATM network $ 1.00 for using an ATM outside your institution s ATM network after 5 free transactions per statement cycle (or banks may impose charges) Insufficient Funds (NSF) Fee $28.00 per transaction made against insufficient funds Unavailable Funds (UAF) Fee $26.00 per transaction made against unavailable funds Maximum Number Fees per Day 4 You will only be charged this number NSF/ UAF fees per day for all overdraft items covered or returned. Minimum Amount Required to Trigger an Insufficient or $5.00 If you are overdrawn by this amount or less, you will not incur an insufficient or unavailable funds fee. Unavailable Funds Fee Deposited Item Returned Fee $0.00 for each item that you deposit that is rejected because payor did not have enough money in ir account. Stop Payment Fee $20.00 per item to stop payment for up to 6 months Account Closing Fee $0.00 Or Service Fees Please see Or Fees and Changes on page 8. Option A: (Default) If you choose not to use any kind overdraft No Overdraft Service service, transactions that would cause an overdraft will be declined at no cost to you. Option B: $5.00 per transfer from a link to savings or money Overdraft Transfer Fee market account Posting Order Credits are processed first. Debits are processed in The order in which following order, first by category and n from low to high withdrawals and deposits are dollar amount: processed In person payments and withdrawals (CC5 Online, Automated Telephone Banking and in branch payment orders) Previously authorized withdrawals (loan payment, bill payment, safe deposit box payment, ATM and/or Check Card withdrawals) Checks, ACH and or electronic payments Scheduled transfers Service charges Dispute Resolution Wire Transfer Research Monetary Instrument Purchases Misc A business day is a non-holiday weekday (Monday Friday). The end a business day is when branch closes. The cut-f time for ATM deposits is 3:30 pm. Dispute Resolution In case errors or questions about your electronic transfers, Agreement contact us immediately by telephone at or in writing at Cape Cod Five Cents Savings Bank PO Box 10 Orleans, MA We must hear from you no later than 60 days after we sent first statement on which problem or error appeared. For more detailed information, please see our Electronic Funds Transfer disclosure. Free Choice Or Fees and Charges Incoming $12.00 Outgoing (Domestic) $20.00 Outgoing (Foreign) $30.00 Account Research $25.00 per hour Check Copy $5.00 after 25 check copies free per year Statement Copy $5.00 After 6 statement copies free per year Money Order Purchase $3.00 Treasurer s Check Purchase $5.00 AMEX Travelers Checks 2.00% purchase AMEX Travelers Checks for 2.00% purchase Two AMEX Gift Checks $2.50 each Stop Payment, Approved Treasurer s Checks Check Printing $20.00 per item Charges vary depending upon quantity and style. Check Certifications $12.00 Additional Monthly $3.00 per month Statements Replacement lost ATM $10.00 or Check Card Items sent for Collection $15.00 per item, plus or Banks fee Legal Processing $50.00 Levy, Summons, Attachments, Abandoned Property Escheatment Fax Service, Domestic $5.00 per page 7 Fax Service, International $10.00 per page 8

7 Interest Interest Basic Basic Terms Terms and Conditions and Interest Interest Basic Terms Basic Terms and Conditions and Conditions Minimum Minimum Deposit Deposit Needed Needed to $ to $ Open Account Open Account Monthly Monthly Fee Fee $5.00 $5.00 Requirements Requirements to Waive to Waive Monthly Monthly Fee Fee Daily minimum Daily minimum balance balance $1, $1, or greater. or greater. Interest-Bearing Interest-Bearing Yes Yes ATM Fees ATM Fees $0.00 $0.00 for using for an using ATM in an your ATM institution s your institution s ATM network ATM network $ 1.00 $ 1.00 for using for an using ATM outside an ATM outside your institution s your institution s ATM ATM network network after 5 free after transactions 5 free transactions per statement per statement cycle (or cycle banks (or may banks impose may charges) impose charges) Insufficient Insufficient Funds (NSF) Funds Fee (NSF) Fee $28.00 Account Account Opening Opening Unavailable Unavailable Funds (UAF) Funds Fee (UAF) $26.00 Fee $28.00per transaction per transaction made against made insufficient against insufficient funds funds $26.00per transaction per transaction made against made unavailable against unavailable funds funds and Usage and Usage Maximum Maximum Number Number Fees Fees 4 4 You will only You will be charged only be charged this number this number NSF/ NSF/ per Day per Day UAF fees UAF per fees day for per all day overdraft for all overdraft items covered items covered or or returned. returned. Minimum Minimum Amount Amount Required Required $5.00 $5.00 If you are If overdrawn you are overdrawn by this amount by this amount or less, you or less, will you will to Trigger to an Trigger Insufficient an Insufficient or or not incur not an incur insufficient an insufficient or unavailable or unavailable funds fee. funds fee. Unavailable Unavailable Funds Fee Funds Fee Deposited Deposited Item Returned Item Returned $0.00 $0.00 for each for item each that item you that deposit you that deposit is rejected that is rejected Fee Fee because because payor did payor not have did not enough have money enough money in ir account. in ir account. Stop Payment Stop Payment Fee Fee $20.00 $20.00per item per to stop item payment to stop payment for up to for 6 months up to 6 months Deposit Deposit Hold Policy Hold Policy Cash deposit Cash with deposit teller: with immediately teller: immediately When funds When deposited funds deposited to your to your Cash deposit Cash deposit at ATM: immediately ATM: immediately account are account available are available Check deposit Check deposit with Teller: with next Teller: business next business day day Check deposit Check deposit at ATM: at next ATM: business next business day day Direct deposit: Direct deposit: immediately immediately Wire transfer: Wire transfer: immediately immediately Processing Processing Policies Policies Funds you Funds deposit you deposit by check by may check be may delayed be delayed for a longer for a longer (continued) (continued) period under period certain under circumstances. certain circumstances. We will We notify will you notify you if we delay we your delay availability your availability to withdraw to withdraw funds for funds any for any reason and reason we and will tell we you will tell when you funds when will funds be available. will be available. A business A business day is a day non-holiday is a non-holiday weekday weekday (Monday (Monday Friday). The Friday). end The end a business a business day is when day is when branch closes. branch The closes. cut-f The time cut-f for ATM time for ATM deposits deposits is 3:30 pm. is 3:30 pm. Dispute Dispute Resolution Resolution Agreement Agreement In case In errors case or errors questions or questions about your about electronic your electronic transfers, transfers, contact contact us immediately us immediately by telephone by telephone at at or or in writing in at writing Cape at Cod Cape Five Cod Cents Five Savings Cents Savings Bank PO Bank Box PO 10 Box 10 Dispute Dispute Orleans, Orleans, MA MA We must We hear must from hear you from no later you no than later than Resolution Resolution 60 days 60 after days we after sent we sent first statement first statement on which on which problem problem or error or appeared. error appeared. For more For detailed more detailed information, information, please see please see our Electronic our Electronic Funds Transfer Funds Transfer disclosure. disclosure. Interest Interest Or Fees Or and Fees Charges and Charges Incoming Incoming $12.00 $12.00 Wire Wire Outgoing Outgoing (Domestic) (Domestic) $20.00 $20.00 Transfer Transfer Outgoing Outgoing (Foreign) (Foreign) $30.00 $30.00 Account Account Research Research $25.00 $25.00per hourper hour Research Research Check Copy Check Copy $5.00 $5.00 after 25 after check 25 copies check free copies per free yearper year Statement Statement Copy Copy $5.00 $5.00 After 6 statement After 6 statement copies free copies per free yearper year Money Order Money Purchase Order Purchase $3.00 $3.00 Account Account Closing Fee Closing Fee $0.00 $0.00 Or Service Or Fees Service Fees Please see Please Or see Fees Or and Fees Changes and Changes on page on 10. page 10. Option A: Option (Default) A: (Default) If you choose If you not choose to use not any to kind use any overdraft kind overdraft Overdraft Overdraft No Overdraft No Overdraft Service Service service, transactions service, transactions that would that cause would an cause overdraft an overdraft Options Options will be declined will be declined at no cost at to no you. cost to you. for for Consumers Consumers Option B: Option B: $5.00 $5.00 per transfer per from transfer a link from to a savings link to or savings money or money with Debit with Debit Overdraft Overdraft Transfer Transfer Fee Fee market account market account Cards Cards Posting Posting Order Order Credits are Credits processed are processed first. Debits first. are Debits processed are processed in in The order The in which order in which following following order, first order, by category first by category and n and from n low from to high low to high withdrawals withdrawals and deposits and deposits are are dollar amount: dollar amount: processed processed In person In payments person payments and withdrawals and withdrawals (CC5 Online, (CC5 Online, Automated Automated Telephone Telephone Banking Banking and branch and in branch payment payment orders) orders) Processing Processing Previously Previously authorized authorized withdrawals withdrawals (loan payment, (loan payment, bill bill Policies Policies payment, payment, safe deposit safe deposit box payment, box payment, ATM and/or ATM Check and/or Check Card withdrawals) Card withdrawals) Checks, Checks, ACH and ACH or and electronic or electronic payments payments Scheduled Scheduled transfers transfers Service Service charges charges 9 Treasurer s Treasurer s Check Purchase Check Purchase $5.00 $5.00 Monetary Monetary AMEX Travelers AMEX Travelers Checks Checks2.00% Instrument Instrument Purchases Purchases AMEX Travelers AMEX Travelers Checks for Checks 2.00% for 2.00% purchase purchase 2.00% purchase purchase Two Two AMEX Gift AMEX Checks Gift Checks $2.50 $2.50 each each Stop Payment, Stop Payment, Approved Approved $20.00 $20.00per itemper item Treasurer s Treasurer s Checks Checks Check Printing Check Printing Charges Charges vary depending vary depending upon upon quantity quantity and and style. style. Check Certifications Check Certifications $12.00 $12.00 Additional Additional Monthly Monthly $3.00 $3.00 per month per month Statements Statements Misc Misc Replacement Replacement lost ATM lost ATM $10.00 $10.00 or Check or Card Check Card Items sent Items for sent Collection for Collection $15.00 $15.00 per item, per plus item, or plus Banks or fee Banks fee Legal Processing Legal Processing $50.00 $50.00Levy, Summons, Levy, Summons, Attachments, Attachments, Abandoned Abandoned Property Property Escheatment Escheatment Fax Service, Fax Service, Domestic Domestic $5.00 $5.00 per pageper page Fax Service, Fax Service, International International $10.00 $10.00per pageper page 10

8 18/65 18/65 Personal Personal Basic Basic Terms Terms and Conditions and Conditions 18/65 Personal 18/65 Personal Basic Terms Basic and Terms Conditions and Conditions Minimum Minimum Deposit Needed Deposit to Needed $ to $ Open Account Open Account Monthly Fee Monthly Fee $5.00 $5.00 Requirements Requirements to Waive to Waive To qualify To for qualify account, for account, customer customer must be 18 must and be under 18 and or 65 under or 65 Monthly Fee Monthly Fee and older. and You older. must You notify must notify Bank that Bank you qualify. that you qualify. Interest-Bearing Interest-Bearing No No ATM Fees ATM Fees $0.00 $0.00for using an for ATM using in an your ATM institution s your institution s ATM network ATM network $ 1.00 $ 1.00for using an for ATM using outside an ATM outside your institution s your institution s ATM ATM network after network 5 free after transactions 5 free transactions per statement per statement cycle (or cycle banks (or may banks impose may charges) impose charges) Insufficient Insufficient Funds (NSF) Funds Fee (NSF) $5.00 Fee Account Account Opening Opening Unavailable Unavailable Funds (UAF) Funds Fee (UAF) $0.00 Fee $5.00per transaction per transaction made against made insufficient against insufficient funds funds $0.00per transaction per transaction made against made unavailable against unavailable funds funds and Usage and Usage Maximum Maximum Number Number Fees Fees 4 4 You will only You be will charged only be this charged number this number NSF/ NSF/ per Day per Day UAF fees UAF per day fees for per all day overdraft for all overdraft items covered items or covered or returned. returned. Minimum Minimum Amount Required Amount Required $5.00 $5.00If you are If overdrawn you are overdrawn by this amount by this or amount less, you or will less, you will to Trigger to an Trigger Insufficient an Insufficient or or not incur an not insufficient incur an insufficient or unavailable or unavailable funds fee. funds fee. Unavailable Unavailable Funds FeeFunds Fee Deposited Deposited Item Returned Item Returned $0.00 $0.00for each item for each that item you deposit that you that deposit is rejected that is rejected Fee Fee because because payor did payor not have did enough not have money enough in money in ir account ir account Stop Payment Stop Fee Payment Fee $0.00 $0.00per item to per stop item payment to stop for payment up to 6 for months up to 6 months Deposit Hold Deposit Policy Hold Policy Cash deposit Cash with deposit teller: with immediately teller: immediately When funds When deposited funds deposited to your to your Cash deposit Cash at deposit ATM: immediately ATM: immediately account are account available are available Check deposit Check with deposit Teller: with next Teller: business next business day day Check deposit Check at deposit ATM: next at ATM: business next business day day Direct deposit: Direct immediately deposit: immediately Wire transfer: Wire immediately transfer: immediately Processing Processing Policies Policies Funds you Funds deposit you by deposit check by may check be delayed may be for delayed a longer for a longer (continued) (continued) period under period certain under circumstances. certain circumstances. We will notify We will you notify you if we delay we your delay availability your availability to withdraw to withdraw funds for funds any for any reason and reason we will and tell we you will when tell you funds when will funds be available. will be available. A business A day business is a non-holiday day is a non-holiday weekday (Monday weekday (Monday Friday). The Friday). end The end a business a day business is when day is branch when closes. branch The closes. cut-f The time cut-f for ATM time for ATM deposits is deposits 3:30 pm. is 3:30 pm. Dispute Dispute Resolution Resolution Dispute Resolution Dispute Resolution Agreement Agreement In case In errors case or errors questions or questions about your about electronic your electronic transfers, transfers, contact us contact immediately us immediately by telephone by telephone at at or or in writing in at writing Cape Cod at Cape Five Cod Cents Five Savings Cents Bank Savings PO Bank Box 10 PO Box 10 Orleans, MA Orleans, MA We must We hear must from hear you from no later you than no later than 60 days after 60 days we sent after we first sent statement first statement on which on which problem problem or error appeared. or error appeared. For more For detailed more information, detailed information, please see please see our Electronic our Electronic Funds Transfer Funds disclosure. Transfer disclosure. Interest Interest Or Fees Or and Fees Charges and Charges Incoming Incoming $0.00 $0.00 Wire Wire Outgoing Outgoing (Domestic) (Domestic) $0.00 $0.00 Transfer Transfer Outgoing Outgoing (Foreign) (Foreign) $0.00 $0.00 Account Research Account Research $25.00 $25.00per hour per hour Research Research Check Copy Check Copy $5.00 $5.00after 25 check after 25 copies check free copies per year free per year Statement Statement Copy Copy $5.00 $5.00After 6 statement After 6 statement copies free copies per year free per year Money Order Money Purchase Order Purchase $0.00 $ Account Closing Account Fee Closing Fee $0.00 $0.00 Or Service Or Fees Service Fees Please see Please Or see Fees Or and Fees Changes and on Changes page 12. on page 12. Overdraft Overdraft Option A: Option (Default) A: (Default) If you choose If you not choose to use not any to kind use any overdraft kind overdraft Options Options No Overdraft No Overdraft Service Service service, transactions service, transactions that would that cause would an overdraft cause an overdraft for for will be declined will be at declined no cost at to no you. cost to you. Consumers Consumers Option B: Option B: $5.00 $5.00per transfer per from transfer a link from to savings a link to or savings money or money with Debit with Debit Overdraft Overdraft Transfer Fee Transfer Fee market account market account Cards Cards Posting Order Posting Order The order The in which order in which Credits are Credits processed are processed first. Debits first. are Debits processed are processed in in following following order, first order, by category first by category and n and from n low from to high low to high withdrawals withdrawals and deposits and are deposits dollar are amount: dollar amount: processed processed In person In payments person payments and withdrawals and withdrawals (CC5 Online, (CC5 Online, Automated Automated Telephone Telephone Banking and Banking branch and in branch payment payment orders) orders) Processing Processing Previously Previously authorized authorized withdrawals withdrawals (loan payment, (loan payment, bill bill Policies Policies payment, payment, safe deposit safe box deposit payment, box payment, ATM and/or ATM Check and/or Check Card withdrawals) Card withdrawals) Checks, ACH Checks, and ACH or and electronic or electronic payments payments Scheduled Scheduled transfers transfers Service charges Service charges Treasurer s Treasurer s Check Purchase Check Purchase $0.00 $0.00 Monetary Monetary AMEX Travelers AMEX Travelers Checks Checks 0.00% Instrument Instrument Purchases Purchases AMEX Travelers AMEX Travelers Checks for Checks 0.00% for 0.00% purchase purchase 0.00% purchase purchase Two Two AMEX Gift AMEX Checks Gift Checks $2.50 $2.50each each Stop Payment, Stop Payment, Approved Approved $0.00 Treasurer s Treasurer s Checks Checks $0.00per item per item Check Printing Check Printing Charges vary Charges depending vary depending upon upon quantity and quantity and style. style. Check Certifications Check Certifications $0.00 $0.00 Additional Additional Monthly Monthly $3.00 $3.00per month per month Statements Statements Misc Misc Replacement Replacement lost ATM lost ATM $10.00 $10.00 or Check or Card Check Card Items sent Items for Collection sent for Collection $15.00 $15.00per item, per plus item, or plus Banks or feebanks fee Legal Processing Legal Processing $50.00 $50.00 Levy, Summons, Levy, Summons, Attachments, Attachments, Abandoned Abandoned Property Property Escheatment Escheatment Fax Service, Fax Domestic Service, Domestic $5.00 $5.00per pageper page Fax Service, Fax International Service, International $10.00 $10.00per pageper page 12

9 Savings Account, Money Market Account, Certificates Certficates Deposit Savings, Money Market, Certificates Deposit Your account will transition to your new Cape Cod Five account that is most similar to account you currently have at Mutual Bank beginning on Friday, April 29 at 2:30 p.m. Please locate your current Mutual Bank account and review features and changes your new account. To help facilitate a smooth transition, your Mutual Bank account will be automatically transitioned to account type shown below. Your account number will remain same. Where applicable, account monthly maintenance fees will be waived for first month following your account s transition to Cape Cod Five. Current Mutual Bank Cape Cod Five Account New Cape Cod Five Account Account Overview Statement Savings Statement Savings Account This is a traditional savings Real Saver* account that provides immediate Falmouth Four Savings access to funds and a monthly statement. Club Savings Accounts Statement Savings Account This is a traditional savings account that provides immediate access to funds and a monthly statement. Passbook Savings Passbook Savings This is a traditional savings Security Federal Savings account that provides you with Bank 90 Day Notice a booklet to record deposits and withdrawals. We ve highlighted some updated account terms which you should be aware on Savings and Money Market Updated Account Terms Overview beginning on page 15. For complete information on your new account, please see Important Documents and Disclosures beginning on page 22 this guide. How may we help you? If you have questions or need assistance, call our Customer Service Center at or visit any Cape Cod Five branch. How to avoid a monthly maintenance fee Interest Paid Additional Information Maintaining a balance Variable interest rate If you have a Mutual Bank debit/atm card associated $10 will waive monthly compounded monthly with your statement savings account, your new Cape maintenance fee. Cod Five debit card will be mailed to you in mid-april with instructions for its use. Mutual Bank will mail you a final statement account Former Mutual Bank Variable interest rate Club customers will have compounded monthly activity as Friday, April 29. maintenance fee waived. Maintaining a balance Variable interest rate If you would like transaction history, please update your $10 will waive monthly compounded monthly existing passbook at Mutual Bank s Falmouth location maintenance fee. on or before Friday, April 29. Please visit any Cape Cod Five branch on or after Monday, May 2, at your convenience, to receive a replacement Cape Cod Five passbook when you present your Mutual Bank passbook. Mighty Money Market Savings High Yield Money Market Money Market High Five Money Market Money Market Deposit Account Offers customers higher interest rates and immediate access to funds through use a limited number checks, electronic, or third party transfers per month. Maintaining a balance $2,500 will waive maintenance fee. Tiered variable interest rates compounded monthly If your account has checks issued, you will receive a complimentary supply Cape Cod Five checks in mid-april and instructions on when to start using m. Mutual Bank will mail you a final statement account activity as Friday, April 29. Certificates Deposit (CDs) Cape Cod Five will honor terms your existing CD until its maturity date. CDs are an excellent way to safely preserve principal while earning a higher rate interest. Cape Cod Five fers a variety certificates designed to accommodate particular investment goals. N/A Fixed interest rate for term CD Your CD will not automatically renew. At maturity, a Final Maturity Notice along with Cape Cod Five s current investment options will be mailed to you. If you would like transaction history, please update your existing passbook at Mutual Bank s Falmouth location on or before Friday, April 29. Please visit any Cape Cod Five branch on or after Monday, May 2, at your convenience to receive a replacement Cape Cod Five passbook when you present your Mutual Bank passbook. IRA customers Cape Cod Five s Retirement Services will be following up with you regarding your plan. 13 * The Mutual Bank companion Account s ATM refund, benefits and interest transfers will be discontinued as April 29, Your ATM refund and interest transfers for month April 2016 will be credited to your checking account effective Monday, May 2. 14

10 Savings and Account, Money Money Market Market Updated Account, Certficate Terms Overview Deposit Savings and Money Savings, Market Money Updated Market, Account Certificates Terms Overview Deposit To assist you in this transition, some updated account terms are highlighted below for your new Cape Cod Five account(s). Full Terms and Conditions, along with additional legal documents associated with Truth your new in account(s), Statement can be found Savings section Passbook marked Savings Important Documents Personal Money and Disclosures Market on page Savings 22. Interest Truth Ratein Savings Interest Rate Compounding and Crediting Frequency Compounding Accrual and Crediting Interest Frequency on Noncash Deposits Accrual Interest on Minimum Noncash Balance Deposits Requirements Minimum Balance Requirements Fees Paid or Returned Item (NSF) The interest rate for your account is % with an There are nine tiers. Please refer annual Statement percentage yield Savings 0.05%. Your Passbook interest rate Savings and to Personal Tiered Rate Money Disclosure Market annual percentage yield may change. enclosed. The interest rate for your account is % with an There are nine tiers. Please Interest will be compounded every month. Interest will be added back to principal every annual percentage yield 0.05%. Your interest rate refer to Tiered Rate month. If you close your account before interest is credited, you will receive accrued and annual percentage yield may change. Disclosure enclosed. interest.* Interest will be compounded every month. Interest will be added back to principal every Interest month. begins If you to close accrue your no account later than before first interest business is credited, day following you will receive business day accrued you deposited interest.* noncash items (for example, checks). Interest begins to accrue on first business day following business day you deposited noncash items (for example, checks). A maintenance fee $1.00 A maintenance fee will be imposed every $1.00 will be imposed statement cycle if every month if balance A maintenance account fee falls $1.00 balance A maintenance account below will be $10.00 imposed any day every falls fee below $1.00 $10.00 will any cycle. statement cycle if day be imposed month. every balance in account falls month if balance below $10.00 any day in account falls $28.00 N/A $28.00 cycle. below $10.00 any day month. You must deposit $2, to open this account. You must deposit $2, to open this account. Fees Paid or $28.00 N/A $28.00 Fees Returned Paid Item or $26.00 N/A $26.00 Returned (Insufficient Item Funds) (UAF) Fees Paid or $26.00 N/A $26.00 Daily Returned CapsItem (Unavailable Funds) The total combined number NSF and/or UAF fees N/A The total combined number NSF and/or UAF fees assessed will be capped at assessed will be capped at four Daily Caps four The occurrences. total combined number If after NSF processing and/or UAF all debits fees on assessed your account, will be your capped at account s four occurrences. available balance is overdrawn If after processing less than all $5.00, debits on NSF your and account, UAF fees your will be account s waived. (Note: available Funds balance from is overdrawn card authorizations less than are $5.00, considered NSF and deducted UAF fees from will your be account s waived. (Note: available Funds balance from card when authorizations approved.) are considered deducted from your N/A occurrences. The total combined number If after NSF processing and/or all UAF debits fees on your assessed account, will your be account s capped at available four occurrences. balance is overdrawn less If than after $5.00, processing NSF all and debits UAF on fees your will be account, waived. your (Note: account s Funds from available card authorizations balance is overdrawn are considered less than deducted $5.00, from NSF your and account s UAF fees available will be balance waived. when (Note: approved.) Funds from card authorizations are considered deducted from your account s available balance when account s available balance when approved.) Fees Stop $20.00 approved.) N/A $20.00 Payment, per Item Fees Stop $20.00 N/A $20.00 Payment, per Check Item Printing Fees N/A N/A Varies Check Printing N/A N/A Varies Fees *If you had a Real Saver, or Money Market Account at Mutual Bank, this frequency is not a change. *If you had a Real Saver or Money Market Account at Mutual Bank, this frequency is not a change. Electronic Funds Transfers Visa Check Card (debit card) Using your new Visa debit card you may access your checking account to purchase goods, pay for services (in person, by phone, fax, mail or internet) or get cash from a merchant, if merchant permits, or from a participating financial institution. You may use your Visa debit card anywhere Visa debit cards are accepted. Transaction Limits - Standard Daily Transaction Limits for ATM Card You generally may make up to 10 transactions per day, and may withdraw up to $360 in cash (inclusive fees and surcharges) per day. Standard Daily Transaction Limits for Visa debit card You generally may make up to 25 transactions per day, and may withdraw up to $510 in cash (inclusive fees and surcharges) and purchase up to $1,500 in goods and services per day. Fees - Visa Currency Conversion and International Transactions When you use your debit card at a merchant or terminal that settles in currency or than US dollars, charge will be converted into US dollar amount. The currency conversion rate used to determine transaction amount in US dollars is eir a rate selected by Visa from range rates available in wholesale currency markets for applicable central processing date, which rate may vary from rate Visa itself receives, or government-mandated rate in effect for applicable central processing date. The conversion rate in effect on processing date may differ from rate in effect on transaction date or posting date. Visa USA charges us a 0.8% International Service Assessment on all international transactions, regardless wher re is a currency conversion. If re is a currency conversion, International Service Assessment is 1% transaction. In eir case, we pass this international transaction fee on to you. An international transaction is a transaction where country merchant is located outside USA. MasterCard /Cirrus Currency Conversion and Cross- Border Transaction Fees If you effect a transaction at a Cirrus terminal using your debit card or ATM card and that transaction is in a currency or than US dollars, MasterCard will convert charge into a US dollar amount. The MasterCard currency conversion procedure includes use eir a governmentmandated exchange rate, or a wholesale rate selected by MasterCard. The exchange rate MasterCard uses will be a rate in effect on day transaction is processed. This rate may differ from rate in effect on date purchase or date transaction was posted to your account. MasterCard charges us a Currency Conversion Assessment 20 basis points (0.2% transaction) for performing currency conversion. In addition, MasterCard charges us an Issuer Cross- Border Assessment 90 basis points (0.9% transaction) on all cross-border transactions regardless wher re is a currency conversion. As a result, we charge you a Currency Conversion fee 0.2% and a Cross-Border Transaction fee 0.9%. The Cross- Border Transaction fee is charged on all cross-border transactions regardless wher re is a currency conversion. A cross-border transaction is a transaction processed through Global Clearing Management System or MasterCard Debit Switch in which country merchant is different than country cardholder. ATM Fees You will be charged $1.00 for using a non Cape Cod Five ATM after 5 free transactions per card number per statement cycle. For Error Resolution - You may contact our Customer Service Center at or PO Box 10, Orleans, MA Funds Availability Funds from deposits cash, wire transfers, and electronic direct deposits will be immediately available at time deposit. If you make a deposit at an ATM before 3:30 p.m. on a business day that we are open, we will consider that day to be day your deposit. However, if you make a deposit at an ATM after 3:30 p.m. or on a day we are not open, we will consider that deposit was made on next business day that we are open

11 Safe Deposit Boxes Personal Overdraft Protection Plans Safe Deposit Boxes Your safe deposit box will remain in same physical location and you will continue to use same key to access it. Below is some important information regarding interim access, new numbering system and Cape Cod Five safe deposit rates. Interim Access The Falmouth Mutual Bank branch located at 668 Main Street will close at 3:00 p.m. on Friday, April 29, to undergo renovations and will reopen as a Cape Cod Five branch in late spring. During renovation period, safe deposit box holders can make an appointment to access ir safe deposit box, which will be accommodated during Cape Cod Five s Falmouth branch normal business hours. Please call or visit our branch located at 763 Main Street to schedule your appointment. Administrative Numbering System There will be a very minor administrative change to your safe deposit box. Currently, your safe deposit box is numbered FO before box number. The new numbering system will have 160 before box number. The physical location your safe deposit box will not be changing, only number. This numbering change will also be reflected on your annual bill. Safe Deposit Rates Effective July 1, 2016, your safe deposit box will be billed at Cape Cod Five rate on date your renewal. The rates for safe deposit boxes are reflected in table below. Personal Overdraft Protection Plan Important Documents and Disclosures How Cape Cod Five can help you avoid overdrafts Link to a savings or money market. By linking a savings or money market account to your checking account, Bank will automatically transfer funds from your savings or money market to your checking account when your checking account has a negative balance. It s called Overdraft Transfer Service and it costs $5 per daily transfer. Money is transferred from your savings or money market in increments $25 until balance in checking account is above $0. Link to a line credit. You can borrow money from Bank if you overdraw your account to ensure your checking balance stays positive. It s called an Overdraft Protection Line Credit and you pay interest instead a transfer fee. There is an application process for this service. If you are approved, money is automatically transferred from overdraft line credit in increments $50 when your checking account has a negative balance, until credit limit is reached, or until balance in checking account is above $0. Since this is a loan, you will be charged interest and must make monthly payments. Know your balance. Sometimes avoiding overdrafts is as easy as knowing your balance. Cape Cod Five has several ways to monitor your balance. As you review your balance remember bill payments and automated payment deductions you have set up, checks you have written, and any or debits that might not have been subtracted yet from your account. Cape Cod Five Online or Cape Cod Five Mobile Check balances and activity frequently through online and mobile banking. Set up balance alerts or log-in to get up-to-date information about your account. Cape Cod Five Telephone Banking Call to hear your account balances and review any recent transactions. Cape Cod Five Products and Services Size Cape Cod Five Annual Rate 3X5 $ X5 $ X10 $85.00 If you would like to set up Cape Cod Five Online, Mobile, or Telephone Banking Services, please contact Customer Service Center at or visit any Cape Cod Five branch. We would be happy to help you establish se services. 10X10 $ Please note: As part transition, you will be asked to complete a new Safe Deposit Box Lease agreement with Cape Cod Five. A Cape Cod Five representative will follow-up regarding lease agreement after Friday, April 29. More information about money and budgets If you are looking for information about managing a budget, re are some excellent online resources available. Please visit capecodfive.com/overdrafteducation for more information and links. Safe Deposit Box contents are not insured by FDIC. Our staff looks forward to greeting you and assisting you in accessing your safe deposit box. How may we help you? If you have questions or need assistance, call our Customer Service Center at or visit any Cape Cod Five branch

12 Cape Cod Five Products and Services Account Access Cape Cod Five Products and Services As a full service community bank, Cape Cod Five fers a wide variety products and services to meet your financial needs. Below is information on some our many ferings. For more information visit call our Customer Service Center at or visit any one our branches. Mortgages and Home Equity Loans As number one mortgage lender on Cape Cod for sixth consecutive year, Cape Cod Five s team has a long history providing excellent service, competitive rates and local knowledge Cape Cod, Islands and Souastern Massachusetts. We fer a variety mortgage products designed to help you move into your new home. Retail Banking Cape Cod Five fers a variety personal products and services that will meet your financial services needs, including various checking and savings accounts, mortgages and home equity loans, personal loans, debit cards and investment services. We also provide access to Online and Mobile Banking to help you keep your busy lives moving. Business Banking Based on type business you operate, Cape Cod Five fers a variety business checking accounts designed to assist you in managing your day-to-day transactions in most cost-effective way. Cape Cod Five also fers Cash Management services, backed by our personal service, to help you more efficiently manage your business accounts. Commercial Lending No matter what business you re in, re s an excellent chance our team Commercial Lenders already has experience in it here on Cape Cod, Islands and Souastern Massachusetts. Our business has always been your business. And that s something on which you can depend. Cape Cod Five fers a variety commercial lending options, including SBA financing, construction loans, lines credit, short-term loans and commercial real estate mortgages. There are many ways in which you can access your Cape Cod Five accounts, depending on what is right for you at moment. You may use Online and Mobile Banking, make purchases with Apple Pay, stop by a branch location, use our 24 hour Telephone Banking system, or call our Customer Service Center at Online Banking Enjoy easy and convenient access to your accounts: Access balances and accounts 24/7 Transfer funds between your Cape Cod Five accounts and accounts you own at or institutions Pay bills with Cape Cod Five Bill Pay Receive bills online with ebills Get secure electronic delivery your checking, savings, CDs, money market and loan statements with estatements View and print images your paid checks Create and print customized reports Do your banking where and when you want Mobile Banking To use Mobile Banking, you must be an existing Online Banking user. Download Cape Cod Five Mobile Banking App by searching for Cape Cod Five in eir Apple App Store (iphone/ipad) or Google Play Store (Android devices). You may also download our Mobile App by visiting Check Balances Deposit Checks Locate a branch or ATM Pay Bills Transfer funds between your Cape Cod Five accounts View Transaction history Cape Cod Five Visa Check Card Make purchases wherever VISA is accepted and withdraw cash from ATMs worldwide. Participation in SUM program representing thousands ATMs nationwide which do not impose surcharges on customers participating institutions. Use Apple Pay to make purchases in-store or in-app with your compatible device. Retirement Services Our Retirement Services department provides a full range products for individual or business. We fer Traditional IRA and Roth IRA. We also fer business plans such as Simplified Employee Pension (SEP), and Savings Incentive Match Plan for Employees (SIMPLE). 24 Hour Telephone Banking: Call With Cape Cod Five Telephone Banking, you can: Check Account Balances and Account activity Transfer funds between your Cape Cod Five accounts Make a payment to your Cape Cod Five loan 19 Trust and Asset Management* Our experienced advisors are perfectly suited to take over active, hands-on management assets you have worked so hard to accumulate. Our services include Investment Management, Retirement Planning, and Financial Planning as well as Estate Settlement, and Trust and Fiduciary Services. Investment Services* Cape Cod Five Investment Services fers investors many ways to accumulate wealth including stocks, bonds, mutual funds and annuities. Our brokerage services are fered through INFINEX INVESTMENTS INC., a member FINRA/SIPC. All investment and insurance services can be conveniently accessed through Infinex Investment Executives located at our branches throughout Cape Cod, Islands and Souastern Massachusetts. *Please note that following disclosure applies to products fered in se areas. NOT A DEPOSIT * NOT FDIC-INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT GUARANTEED BY THE BANK * MAY GO DOWN IN VALUE Brokerage services are fered through INFINEX INVESTMENTS, INC., Member FINRA/SIPC. Cape Cod Five Investment Services is a trade name bank. Infinex and bank are not affiliated. Branch Locations Stop by one our convenient branches, located in: Brewster Centerville Chatham Dennis East Harwich Eastham Falmouth Harwich Port Hyannis Mashpee Nantucket Orleans Sandwich Wareham Wellfleet Yarmouth Martha s Vineyard (opening in late Spring 2016) How may we help you? If you have questions or need assistance, call our Customer Service Center at or visit any Cape Cod Five branch. Cape Cod Five will never call or you requesting personal information such as Social Security Number, account number, password or or confidential information. 20

13 Meet Falmouth Team Meet Falmouth Team You have easy access to all services Cape Cod Five has to fer. We have an entire team to serve Falmouth. So no matter what you need, re s a direct line to a pressional who can help. As a Community Bank since 1855, you can always expect our full commitment to you. Patricia J. Erickson Falmouth Branch Manager [email protected] NMLS ID# Patricia A. Piva Cash Management Officer [email protected] Stephen J. Spitz Regional Manager Commercial Loan Officer [email protected] Meet Falmouth Team Table Contents Important Documents and Disclosures Truth in Savings Fee Schedule Privacy Notice All About Your Personal Deposit Account Account Terms and Conditions Electronic Funds Transfers Funds Availability Policy...36 Substitute Checks...36 Important Documents and Disclosures Meryl L. Watson Mortgage Loan Officer [email protected] NMLS ID# Robert J. Marchese Mortgage Loan Officer [email protected] NMLS ID# * Please note that following disclosure applies to products fered by se representatives. NOT A DEPOSIT NOT FDIC-INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT GUARANTEED BY THE BANK MAY GO DOWN IN VALUE 21 Joseph E. Hawley, CFP Trust & Asset Management* Senior Financial Advisor [email protected] Christopher J. O Brien Investment Services* [email protected] Brokerage Services are fered through INFINEX IN- VESTMENTS, INC., Member FINRA/SIPC. Cape Cod Five Investment Services is a trade name bank. Infinex and bank are not affiliated. 22

14 Personal Overdraft Protection Plan Personal Overdraft Protection Plan Privacy Notice How Cape Cod Five can help you avoid overdrafts Facts What does Cape Cod Five Cents Savings Bank do Link to a savings or money market. By linking a savings or money market account to your checking with your Personal Information? account, Bank will automatically transfer funds from your savings or money market to your checking account when your checking account has a negative balance. It s called Overdraft Transfer Service and Financial companies choose how y share your personal information. Federal costs $5 per daily transfer. Money is transferred from your savings or money market in increments $25 law gives consumers right to limit some but not all sharing. Federal law until balance in checking account is above $0. Why? also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. Link to a line credit. You can borrow money from Bank if you overdraw your account to ensure your checking balance stays positive. It s called an Overdraft Protection Line Credit and you pay interest instead a transfer fee. There is an application process for this service. If you are approved, money The types personal information we collect and share depend on product or is automatically transferred from overdraft line credit in increments $50 when your checking service you have with us. This information can include: account has a negative balance, until credit limit is reached, or until balance in checking account What? Social Security Number is above $0. Since this is a loan, you will be charged interest and must make monthly payments. Income Payment history Know your balance. Sometimes avoiding overdrafts is as easy as knowing balance. Cape Cod Five has Account balances several ways to monitor your balance. As you review your balance remember bill payments and automated Account transactions payment deductions you have set up, checks you have written, and any or debits that might not have Credit history been subtracted yet from your account. When you are no longer our customer, we continue to share your information as Cape Cod Five Online or Cape Cod Five Mobile described in this notice. Check balances and activity frequently through online and mobile banking. Set up balance alerts or log-in to get up-to-date information about your account. All financial companies need to share customers personal information to run ir Cape Cod Five Telephone Banking everyday business. In section below, we list reasons financial companies How? Call to hear your account balances and review any recent transactions. can share ir customers personal information; reasons The Cape Cod Five Cents Savings Bank chooses to share; and wher you can limit this sharing. If you would like to set up Cape Cod Five Online, Mobile Banking, or Telephone Banking Services, please contact Customer Service Center at or visit any Cape Cod Five branch. We would be happy to help you establish se services. More information about money and budgets Does The Cape Can you limit If you are looking for information about managing a budget, re are some excellent online resources Reasons we can share your personal information Cod Five share? this Sharing? available. Please visit capecodfive.com/overdrafteducation for more information and links. For our everyday business purposes such as to process your Yes No transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes to fer our products and Yes No services to you For joint marketing with or financial companies Yes No For our affiliates everyday business purposes information No We don t share about your transactions and experiences For our affiliates everyday business purposes information No We don t share about your creditworthiness For nonaffiliates to market to you No We don t share 26 QUESTIONS CALL...Important 27 Privacy Notice Documents and Disclosures Truth in Savings - Features Accounts Important Truth in Documents Savings Features and Disclosures Accounts An Insufficient Funds (NSF) Fee or an Unavailable Funds (UAF) Fee will be applied for overdrafts created by check, ACH Debit, bill payment or or electronic means. Please refer to our separate fee schedule for additional information about or fees and charges. Interest The interest rate and annual percentage yield stated below are accurate as March 22, If you would like more current rate and yield information please call us at Rate Your interest rate and Annual Percentage Yield may change. Frequency rate changes We may change your interest rate on your account at any time. Determination rate At our discretion, we may change interest rate on your account. Compounding and crediting frequency Interest will be compounded every month. Interest will be credited to your account every month. Effect closing an account - If you close your account before interest is credited, you will receive accrued interest. Daily balance computation method We use daily balance method to calculate interest on your account. This method applies a daily periodic rate to principal in account each day. Accrual interest on non-cash deposits Interest begins to accrue no later than first business day following business day you deposit non-cash items (for example, checks). Free Choice Minimum balance to open account You must deposit at least $25.00 to open this account. Minimum balance to avoid fees There is no balance requirement and no monthly service fee with this account. Interest Variable rate The interest rate for your account is % with an annual percentage yield 0.05%. Your interest rate and annual percentage yield may change. Minimum balance to open account You must deposit at least $ to open this account. Minimum balance to avoid fees A maintenance fee $5.00 will be imposed every statement cycle if balance in account falls below $1, any day cycle. Minimum balance to obtain Annual Percentage Yield disclosed You must maintain a minimum balance $10.00 in account each day to obtain disclosed annual percentage yield. 18/65 Personal Minimum balance to open account You must deposit at least $ to open this account. Minimum balance to avoid fees There is no balance requirement and no monthly service fee with this account. Personal Statement Savings Variable rate The interest rate for your account is % with an annual percentage yield 0.05%. Your interest rate and annual percentage yield may change. Minimum balance to open account You must deposit at least $10.00 to open this account. Minimum balance to avoid fees A maintenance fee $1.00 will be imposed every statement cycle if balance in account falls below $10.00 any day statement cycle. Minimum balance to obtain Annual Percentage Yield disclosed You must maintain a minimum balance $10.00 in account each day to obtain disclosed annual percentage yield. Transaction limitations Transfers to anor account or to third parties by preauthorized, automatic, electronic, telephone transfer, check, draft or similar order are limited to six per statement cycle. We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account. Personal Passbook Savings Variable rate The interest rate for your account is % with an annual percentage yield 0.05%. Your interest rate and annual percentage yield may change. Minimum balance to open account You must deposit at least $10.00 to open this account. Minimum balance to avoid fees A maintenance fee $1.00 will be imposed every month if balance in account falls below $10.00 any day month. Minimum balance to obtain Annual Percentage Yield disclosed You must maintain a minimum balance $10.00 in account each day to obtain disclosed annual percentage yield. Transaction limitations Transfers to anor account or to third parties by preauthorized, automatic, electronic, telephone transfer, check, draft or similar order are limited to six per statement cycle. We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account. Money Market Tiered rate If your daily balance is greater than or equal to $10.00, interest rate paid on entire balance in your account will be % with an annual percentage yield 0.05%. If your daily balance is greater than or equal to $2,500.00, interest rate paid on entire balance in your account will be % with an annual percentage yield 0.05%. If your daily balance is greater than or equal to $10,000.00, interest rate paid on entire balance in your account will be % with an annual percentage yield 0.10%. If your daily balance is greater than or equal to $25,000.00, interest rate paid on entire balance in your account will be % with an annual percentage yield 0.20%. If your daily balance is greater than or equal to $50,000.00, interest rate paid on entire balance in your account will be % with an annual percentage yield 0.30%. If your daily balance is greater than or equal to $100,000.00, interest rate paid on entire balance in your account will be % with an annual percentage yield 0.35%. If your daily balance is greater than or equal to $250,000.00, interest rate paid on entire balance in your account will be % with an annual percentage yield 0.35%. If your daily balance is greater than or equal to $500,000.00, interest rate paid on entire balance in your account will be % with an annual percentage yield 0.35%. If your daily balance is greater than or equal to $1,000,000.00, interest rate paid on entire balance in your account will be % with an annual percentage yield 0.35%. Minimum balance to open account You must deposit at least $2, to open this account. Minimum balance to avoid fees A maintenance fee $5.00 will be imposed every statement cycle if balance in account falls below $2, any day cycle. Minimum balance to obtain Annual Percentage Yield disclosed You must maintain a minimum balance $10.00 in account each day to obtain disclosed annual percentage yield. Transaction limitations Transfers to anor account or to third parties by preauthorized, automatic, electronic, telephone transfer, check, draft or similar order are limited to six per statement cycle. We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account

15 Personal Overdraft Protection Plan Personal Overdraft Protection Plan Privacy Notice How Cape Cod Five can help you avoid overdrafts Facts What does Cape Cod Five Cents Savings Bank do Link to a savings or money market. By linking a savings or money market account to your checking with your Personal Information? account, Bank will automatically transfer funds from your savings or money market to your checking account when your checking account has a negative balance. It s called Overdraft Transfer Service and Financial companies choose how y share your personal information. Federal costs $5 per daily transfer. Money is transferred from your savings or money market in increments $25 law gives consumers right to limit some but not all sharing. Federal law until balance in checking account is above $0. Why? also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. Link to a line credit. You can borrow money from Bank if you overdraw your account to ensure your checking balance stays positive. It s called an Overdraft Protection Line Credit and you pay interest instead a transfer fee. There is an application process for this service. If you are approved, money The types personal information we collect and share depend on product or is automatically transferred from overdraft line credit in increments $50 when your checking service you have with us. This information can include: account has a negative balance, until credit limit is reached, or until balance in checking account What? Social Security Number is above $0. Since this is a loan, you will be charged interest and must make monthly payments. Income Payment history Know your balance. Sometimes avoiding overdrafts is as easy as knowing balance. Cape Cod Five has Account balances several ways to monitor your balance. As you review your balance remember bill payments and automated Account transactions payment deductions you have set up, checks you have written, and any or debits that might not have Credit history been subtracted yet from your account. When you are no longer our customer, we continue to share your information as Cape Cod Five Online or Cape Cod Five Mobile described in this notice. Check balances and activity frequently through online and mobile banking. Set up balance alerts or log-in to get up-to-date information about your account. All financial companies need to share customers personal information to run ir Cape Cod Five Telephone Banking everyday business. In section below, we list reasons financial companies How? Call to hear your account balances and review any recent transactions. can share ir customers personal information; reasons The Cape Cod Five Cents Savings Bank chooses to share; and wher you can limit this sharing. If you would like to set up Cape Cod Five Online, Mobile Banking, or Telephone Banking Services, please contact Customer Service Center at or visit any Cape Cod Five branch. We would be happy to help you establish se services. More information about money and budgets Does The Cape Can you limit If you are looking for information about managing a budget, re are some excellent online resources Reasons we can share your personal information Cod Five share? this Sharing? available. Please visit capecodfive.com/overdrafteducation for more information and links. For our everyday business purposes such as to process your Yes No transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes to fer our products and Yes No services to you For joint marketing with or financial companies Yes No For our affiliates everyday business purposes information No We don t share about your transactions and experiences For our affiliates everyday business purposes information No We don t share about your creditworthiness For nonaffiliates to market to you No We don t share 26 QUESTIONS CALL...Important Documents and Disclosures 27 Privacy Notice Fee Schedule Fee Schedule ATM ATM Transactions Transactions Personal Account Daily Monthly at at locations locations or or Personal Account Minimum Daily Balance Monthly Type Balance to Waive Fee Maintenance Fee than than Cape Cape Cod Cod Five Five Type to Waive Fee Maintenance Fee (or banks banks may may impose charges) Free Choice $0.00 $0.00 First 5 transactions Free Choice $0.00 $0.00 First per 5 card transactions number per 1, 2, 3 Personal / $ $5.00 card no number fee, subsequent no fee, Personal 18/65 Personal / $ $5.00 1,2,3 subsequent transactions transactions $1.00 each 18/65 Personal $1.00 each Interest / $1, $ Interest 18/65 Interest / $1, $ /65 Interest Money Market Deposit $2, $5.00 Money Account Market Deposit $2, $5.00 Account Savings Account $10.00 $ Savings Account $10.00 $ Community Plans Community Plans Five Plan Combined deposit $10.00 No fees for Five Plan Combined $10, deposit or more or $10.00 (If plan balance No transactions fees for transactions applied to $10, combined plan or more balance* or (If requirements plan balance are not applied Cape to or Cape Five or combined $25, plan or balance* more on requirements met) are Plan Five Plan account. statement $25, date or more host on not met) account. Or banks Or ATM banks account. statement date ATM charges charges are are refunded. host account. refunded. Cape Plan Combined deposit $12.00 Note: Note: Refunds may may be be Cape Plan Combined $25, deposit or more $12.00 (If plan balance subject to IRS 1099Misc $25, or more or (If plan balance subject to IRS 1099Misc combined plan balance* requirements are not tax reporting, combined plan balance* requirements are tax reporting $50, or more on met) statement $50, date or more host on not met) account. statement date host account. *The *The plan plan balance balance for for period period is is sum sum current current balances balances as as statement statement date date : : host host account account and and all all or deposit products (including IRAs), and current outstanding consumer loan balances and current outstanding consumer residential mortgage balances (1) Not applicable if you are 18 years age and under or 65 years age and over and you have signed an exemption (1) Not applicable form. if you are 18 years age and under or 65 years age and over and you have signed an exemption (2) form. Not applicable if account has a monthly electronic direct deposit. (3) (2) Not Not applicable if if you are account a Student has a age monthly 18 through electronic 22 and direct you deposit. have signed an exemption form. (3) Not applicable if you are a Student age 18 through 22 and you have signed an exemption form. Personal, Business and Non Personal Accounts Or Fees and Charges Per Occurrence Check, ATM & Debit/Check Card transaction, ACH Debit and Bill Payment or or electronic means: Paid or returned item presented against insufficient funds (NSF)...$ Paid or returned item presented against unavailable funds (UAF)... $ Daily Caps: The total combined number NSF and/or UAF fees assessed will be capped at four occurrences. If after processing all debits on your account, your account s available balance is overdrawn less than $5.00, NSF and UAF fees will be waived. (Note: Funds from card authorizations are considered deducted from your account s available balance when approved. ) Stop Payment, per item... $ Overdraft Transfer...$ 5.00 Outgoing External Transfer (Online Banking)...$ Return Deposit Item (Business and Non Personal Accounts)...$ 5.00 Check Printing, depends upon quantity & style...charges vary 1 Check Certification Additional Monthly Statements... $3.00 per month Replacement lost ATM or CheckCard...$10.00 Wire Transfer Incoming , 2 Outgoing (Domestic)... $ , 2 Outgoing (Foreign)...$ , 2 Research- Customer Request Account Research (Deposits, etc.)...$25.00 per hour Check Copy: 25 check copies free, reafter Check Copies (4 on a page)... $ 5.00 per page Copy: 6 statement copies free, reafter... $ 5.00 each ATM transactions at locations or than Cape Cod Five Business and Non Personal Account types: (Or Banks may impose charges)...$ 1.00 Refer to Personal Account Type defined on reverse side Items sent for Collection - Per item, plus or Banks fee...$15.00 Fax Service Domestic... $ 5.00 per page Foreign...$10.00 per page Legal Processing Levy, Summons, Attachments, Abandoned Property Escheatment...$50.00 Third Party and Or Research Account Research (Deposits, etc.)...$25.00 per hour Check Copies (4 on a page) $ 5.00 per page Statement Copy... $ 5.00 each Money Order Purchase...$ , 2 AMEX Travelers Check Purchase Travelers Checks % purchase 1, 2 Gift Checks...$ 2.50 each Treasurers Check Purchase...$ , 2 Individual Retirement Account Plan Fees Annual Service...$10.00 per year 2 Plan Termination... $25.00 (1) Not applicable if you are 18 years age and under or 65 years age and over and you have signed an exemption form. No fees for basic style check printing. Paid or returned items presented against insufficient funds are $5.00 per occurrence and are capped daily at four occurrences. (2) Not applicable for Cape Plan. Traveler s checks are discounted by 1% for Cape Plan

16 Privacy Notice Important Documents and Disclosures Facts Why? What? How? What does Cape Cod Five Cents Savings Bank do with your Personal Information? Financial companies choose how y share your personal information. Federal law gives consumers right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types personal information we collect and share depend on product or service you have with us. This information can include: Social Security Number Income Payment history Account balances Account transactions Credit history When you are no longer our customer, we continue to share your information as described in this notice. All financial companies need to share customers personal information to run ir everyday business. In section below, we list reasons financial companies can share ir customers personal information; reasons The Cape Cod Five Cents Savings Bank chooses to share; and wher you can limit this sharing. What we do How does Cape Cod Five protect my personal information? How does Cape Cod Five collect my personal information? Why can t I limit all sharing? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We continually assess, upgrade and install new technology to protect your information. We collect your personal information, for example, when you Open an account Pay your bills Make deposits or withdrawals from your account Deposit money Apply for a loan We also collect your personal information from ors, such as credit bureaus, affiliates or or companies. Federal law gives you right to limit only sharing for affiliates everyday business purposes information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Reasons we can share your personal information Does The Cape Cod Five share? Can you limit this Sharing? Definitions For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. The Cape Cod Five Cents Savings Bank has no affiliates. For our marketing purposes to fer our products and services to you For joint marketing with or financial companies Yes No Yes No How does Cape Cod Five collect my personal information? Companies not related by common ownership or control. They can be financial and nonfinancial companies. The Cape Cod Five Cents Savings Bank does not share with nonaffiliates so y can market to you. For our affiliates everyday business purposes information about your transactions and experiences No We don t share Why can t I limit all sharing? A formal agreement between nonaffiliated financial companies that toger market financial products or services to you. Our joint marketing partner is Infinex Investments, Inc. For our affiliates everyday business purposes information about your creditworthiness No We don t share For nonaffiliates to market to you No We don t share Questions? Call or go to Or Important Information The Cape Cod Five complies with Massachusetts Regulation 201 CMR that insures security and confidentiality customer information in a manner fully consistent with industry standards, protects against anticipated threats hazards to security or integrity such information and protects against unauthorized access to or use such information

17 29 Important Documents and Disclosures TERMS AND CONDITIONS IMPORTANT ACCOUNT OPENING INFORMATION - Federal law requires us to obtain sufficient information to verify your identity. You may be asked several questions and to provide one or more forms identification to fulfill this requirement. In some instances we may use outside sources to confirm information. The information you provide is protected by our privacy policy and federal law. AGREEMENT - This document, along with any or documents we give you pertaining to your account(s), is a contract that establishes rules which control your account(s) with us. Please read this carefully and retain it for future reference. If you sign signature card or open or continue to use account, you agree to se rules. You will receive a separate schedule rates, qualifying balances, and fees if y are not included in this document. If you have any questions, please call us. This agreement is subject to applicable federal laws, laws state Massachusetts and or applicable rules such as operating letters Federal Reserve Banks and payment processing system rules (except to extent that this agreement can and does vary such rules or laws). The body state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here. The purpose this document is to: (1) summarize some laws that apply to common transactions; (2) establish rules to cover transactions or events which law does not regulate; (3) establish rules for certain transactions or events which law regulates but permits variation by agreement; and (4) give you disclosures some our policies to which you may be entitled or in which you may be interested. If any provision this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. We may permit some variations from our standard agreement, but we must agree to any variation in writing eir on signature card for your account or in some or document. As used in this document words we, our, and us mean financial institution and words you and your mean account holder(s) and anyone else with authority to deposit, withdraw, or exercise control over funds in account. However, this agreement does not intend, and terms you and your should not be interpreted, to expand an individual s responsibility for an organization s liability. If this account is owned by a corporation, partnership or or organization, individual liability is determined by laws generally applicable to that type organization. The headings in this document are for convenience or reference only and will not govern interpretation provisions. Unless it would be inconsistent to do so, words and phrases used in this document should be construed so singular includes plural and plural includes singular. LIABILITY - You agree, for yourself (and person or entity you represent if you sign as a representative anor) to terms this account and schedule charges. You authorize us to deduct se charges, without notice to you, directly from account balance as accrued. You will pay any additional reasonable charges for services you request which are not covered by this agreement. Each you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or overdrafts, wher caused by you or anor with access to this account. This liability is due immediately, and can be deducted directly from account balance whenever sufficient funds are available. You have no right to defer payment this liability, and you are liable regardless wher you signed item or benefited from charge or overdraft. You will be liable for our costs as well as for our reasonable attorneys fees, to extent permitted by law, wher incurred as a result collection or in any or dispute involving your account. This includes, but is not limited to, disputes between you and anor joint owner; you and an authorized signer or similar party; or a third party claiming an interest in your account. This also includes any action that you or a third party takes regarding account that causes us, in good faith, to seek advice an attorney, wher or not we become involved in dispute. All costs and attorneys fees can be deducted from your account when y are incurred, without notice to you. DEPOSITS - We will give only provisional credit until collection is final for any items, or than cash, we accept for deposit (including items drawn on us ). We may refuse, accept for collection only, or return all or part any deposit. Before settlement any item becomes final, we act only as your agent, regardless form indorsement or lack indorsement on item and even though we may provide you provisional credit for item. If we have given you credit for an item and it is not paid for any reason, we may revoke credit and charge amount item back to your account, even if this causes your account to be overdrawn. Actual credit for deposits, or payable in, foreign currency will be at exchange rate in effect on final collection in U.S. dollars. We are not responsible for transactions by mail or outside depository until we actually record m. We will treat and record all transactions received after our daily cutf time on a business day we are open, or received on a day we are not open for business, as if initiated on next business day that we are open. At our option, we may take an item for collection rar than for deposit. If we accept a third-party check for deposit, we may require any third-party indorsers to verify or guarantee ir indorsements, or indorse in our presence. WITHDRAWALS - Generally - Unless clearly indicated orwise on account records, any you, acting alone, who signs to open account or has authority to make withdrawals may withdraw or transfer all or any part account balance at any time. Each you (until we receive written notice to contrary) authorizes each or person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any or transaction with us. Postdated checks - A postdated check is one which bears a date later than date on which check is written. We may properly pay and charge your account for a postdated check even though payment was made before date check, unless we have received written notice postdating in time to have a reasonable opportunity to act. Because we process checks mechanically, your notice will not be effective and we will not be liable for failing to honor your notice unless it precisely identifies number, date, amount and payee item. Checks and withdrawal rules - If you do not purchase your check blanks from us, you must be certain that we approve check blanks you purchase. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us or by any method we do not specifically permit. We may refuse any withdrawal or transfer request which is greater in number than frequency permitted, or which is for an amount greater or less than any withdrawal limitations. We will use date transaction is completed by us (as opposed to date you initiate it) to apply frequency limitations. In addition, we may place limitations on account until your identity is verified. Even if we honor a nonconforming request, we are not required to do so later. If you violate stated transaction limitations (if any), in our discretion we may close your account or reclassify it as a transaction account. If we reclassify your account, your account will be subject to fees and earnings rules new account classification. If we are presented with an item drawn against your account that would be a substitute check, as defined by law, but for an error or defect in item introduced in substitute check creation process, you agree that we may pay such item. See funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts to which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. We may determine amount available funds in your account for purpose deciding wher to return an item for insufficient funds at any time between time we receive item and when we return item or send a notice in lieu return. We need only make one determination, but if we choose to make a subsequent determination, account balance at subsequent time will determine wher re are insufficient available funds. A temporary debit authorization hold affects your account balance - On debit card purchases, merchants may request a temporary hold on your account for a specified sum money, which may be more than actual amount your purchase. When this happens, our processing system cannot determine that amount hold exceeds actual amount your purchase. This temporary hold, and amount charged to your account, will eventually be adjusted to actual amount your purchase, but it may be up to three days before adjustment is made. Until adjustment is made, amount funds in your account available for or transactions will be reduced by amount temporary hold. If anor transaction is presented for payment in an amount greater than funds left after deduction temporary hold amount, that transaction will be a nonsufficient funds (NSF) transaction if we do not pay it or an overdraft transaction if we do pay it. You will be charged an NSF or overdraft fee according to our NSF or overdraft fee policy. You will be charged fee even if you would have had sufficient funds in your account if amount hold had been equal to amount your purchase. Overdrafts - You understand that we may, at our discretion, honor withdrawal requests that overdraw your account. However, fact that we may honor withdrawal requests that overdraw account balance does not obligate us to do so later. So you can NOT rely on us to pay overdrafts on your account regardless how frequently or under what circumstances we have paid overdrafts on your account in past. We can change our practice paying overdrafts on your account without notice to you. You can ask us if we have or account services that might be available to you where we commit to paying overdrafts under certain circumstances, such as an overdraft protection line--credit or a plan to sweep funds from anor account you have with us. You agree that we may charge fees for overdrafts. We may use subsequent deposits, including direct deposits social security or or government benefits, to cover such overdrafts and overdraft fees. Multiple signatures, electronic check conversion, and similar transactions - An electronic check conversion transaction is a transaction where a check or similar item is converted into an electronic fund transfer as defined in Electronic Fund Transfers regulation. In se types transactions check or similar item is eir removed from circulation (truncated) or given back to you. As a result, we have no opportunity to review check to examine signatures on item. You agree that, as to se or any items as to which we have no opportunity to examine signatures, you waive any requirement multiple signatures. CHAPTER 167D ACCOUNTS - Except as indicated below, we do not intend vto subject your account to (i) a service, maintenance or similar charge, (ii) a minimum balance requirement, (iii) a charge for a check, deposit or withdrawal, or (iv) a fee for initial order or subsequent refills basic line checks fered by us if you qualify for minor or senior citizen fee exemption under Chapter 167D Massachusetts General Laws. You should notify us if you or your spouse qualify so that we may administer your account accordingly. Despite this exemption, we may assess a fee for certain services in accordance with our published service charge schedule, including stop payment orders, wire transfers, certified or bank checks, money orders and deposit items returned, transactions at electronic branches and through or electronic devices, and services not directly associated with deposit, withdrawal or transfer funds from any such account; and we may assess you a reasonable charge when payment has been refused because insufficient funds on any check or or transaction on account (as permitted by law). OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on form ownership and beneficiary designation, if any, specified on account records. We reserve right to refuse some forms ownership on any or all our accounts. We make no representations as to appropriateness or effect ownership and beneficiary designations, except as y determine to whom we pay account funds. Individual Account - is an account in name one person. Joint Account - With Survivorship (And Not As Tenants In Common) - is an account in name two or more persons. Each you intend that when you die balance in account (subject to any previous pledge to which we have agreed) will belong to survivor(s). If two or more you survive, you will own balance in account as joint tenants with survivorship and not as tenants in common. Revocable Trust Account - One or two you (called trustees) may create such an account in trust for or persons. Payments may be made to trustee, or if re are two trustees, to eir or both trustees or survivor. Upon death trustee or death both trustees, payment may be made to person or persons who survive death last surviving trustee in an equal portion funds for whom trust was made, or that person s legal representative. OVERDRAFTS [Insufficient (NSF) and/or Unavailable Funds (UAF)] An overdraft is an advance funds made by Bank to you, at our sole discretion, to pay a check or substitute check image, in-person withdrawal, ATM withdrawal, ATM Card or Visa CheckCard withdrawal, or any withdrawal by or electronic means from your account. If your account is presented with any withdrawal request for payment, for more money than you have available for withdrawal from your account, at our sole discretion, we may eir permit withdrawal or we may refuse payment, and return it unpaid. Please note that ATM and Debit Card transactions will not be considered for discretionary payment. There may be a fee for each paid or returned item that is presented against insufficient funds (NSF) or unavailable funds (UAF). Please refer to FEE SCHEDULE, Or Fees and Charges for specific information regarding fees. We will not be liable to you for any Bank decision to pay or not pay your overdrawn item(s). If we pay overdrawn item(s) on one or more occasions, we are not obligated to continue to pay overdrawn items. At any time without advance notice to you, we may decline an item and return it unpaid. If we pay item(s), you agree to immediately pay amount account is overdrawn. If your account is a joint account, each owner is responsible for overdraft(s) regardless whose payment order caused overdraft(s). If you fail to pay an overdraft that has occurred on your account, we may report this information to a consumer reporting agency. If we take any legal action to collect any amount that you owe us, such as filing a lawsuit, you will pay all reasonable expenses, including attorney s fees. If you do not wish to have us pay overdraft(s), you may opt-out by providing written instructions to Bank. A customer service representative can provide you with details. To help you manage overdrafts on your account, you may apply for an Overdraft Protection Line Credit for your account. You will incur finance charges on your Overdraft Protection Line Credit, or, you may link anor account from which we will transfer funds to cover overdrafts. Under federal regulations, you are allowed six (6) transfers within a statement cycle to or from a savings account or a money market account. We may charge you a transfer fee each time we transfer funds to cover an overdraft. Please refer to separate Fee Schedule, Or Fees and Charges section for specific information regarding fees. If an Overdraft Protection Line Credit is linked to your account for overdraft protection and we advance funds from your Overdraft Protection Line Credit to cover an overdraft, you agree that you will be responsible for any liability arising under Overdraft Protection Line Credit regardless which owner applied for Overdraft Protection Line Credit or caused overdraft to occur. Processing Order We may establish different processing orders for checks and or items. We process deposit and or credit transactions prior to withdrawals and or debit transactions. Payments may not be processed in order received. We typically, as described below, process first by category and n within each category by dollar amount. We process low dollar transactions up to high dollar transactions. If re are not enough available funds to cover all checks and or items processed on any given day, our processing orders typically results in fewer unavailable funds items and fewer fees than may have resulted if we had used a high-to-low processing order. Credits are processed first Debits - In person payments and withdrawals (Cape Cod Five Online, Automated Telephone Banking and In Branch payment orders) - Previously authorized withdrawals (Loan payment, Bill payment, Safe Deposit Box payment, ATM and/or Check Card withdrawals) - Inclearing transactions (Checks, ACH and or electronic payments) - Scheduled transfers - Service charges We may in our sole discretion change our priorities, categories, or payment orders at any time without notice to you. STOP PAYMENTS - Unless orwise provided, rules in this section cover stopping payment items such as checks and drafts. Rules for stopping payment or types transfers funds, such as consumer electronic fund transfers, may be established by law or our policy. If we have not disclosed se rules to you elsewhere, you may ask us about those rules. We may accept an order to stop payment on any item from any one you. You must make any stop-payment order in manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stoppayment cutf time. When you place your stop-payment order we will tell you what information we need to stop payment. This information must be exact since stop-payment orders are handled by computers. If your information is not exact your order will not be effective and we will not be responsible for failure to stop payment. You may stop payment on any item drawn on your account wher you sign item or not. Generally, if your stop-payment order is given to us in writing it is effective for six months. Your order will lapse after that time if you do not renew order in writing before end six-month period. We are not obligated to notify you when a stop-payment order expires. A release stop-payment request may be made only by person who initiated stop-payment order. If you stop payment on an item and we incur any damages or expenses because stop payment, you agree to indemnify us for those damages or expenses, including attorneys fees. You assign to us all rights against payee or any or holder item. You agree to cooperate with us in any legal actions that we may take against such persons. You should be aware that anyone holding item may be entitled to enforce payment against you despite stop-payment order. TRANSFER LIMITATIONS - Transfers from statement savings and money market accounts to anor account or to third parties by preauthorized, automatic, electronic, telephone transfer, check, draft or similar order are limited to six per statement cycle. We may not allow se item numbers to be exceeded. Federal regulations require compliance with se restrictions. We may be required to close your account, take away any ability to transfer and write checks, or convert account to a checking or or transaction account, if se restrictions are violated. A preauthorized transfer includes any arrangement with us to pay a third party from your account at (i) a predetermined time; (ii) on a fixed schedule or (iii) upon oral or written orders including orders received through automated clearing house (ACH). If transfer or withdrawal is initiated in person, by mail, or at an ATM n re is no limit on number payments that may be made directly to you, directly to us for amounts you owe us, or transfers to or accounts you have with us. Withdrawals by phone are also unlimited if you are requesting that a check be mailed to you. AMENDMENTS AND TERMINATION - We may change any term this agreement. Rules governing changes in interest rates are provided separately in Truth-in- Savings disclosure or in anor document. For or changes, we will give you reasonable notice in writing or by any or method permitted by law. We may also close this account at any time upon reasonable notice to you and tender account balance personally or by mail. Items presented for payment after account is closed may be dishonored. When you close your account, you are responsible for leaving enough money in account to cover any outstanding items to be paid from account. Reasonable notice depends on circumstances, and All About Your Personal Deposit Account All About Your Personal Deposit Account Terms and Conditions Electronic Transfers Funds Availability Substitute Checks TERMS AND CONDITIONS IMPORTANT ACCOUNT OPENING INFORMATION - Federal law requires us to obtain sufficient information to verify your identity. You may be asked several questions and to provide one or more forms identification to fulfill this requirement. In some instances we may use outside sources to confirm information. The information you provide is protected by our privacy policy and federal law. AGREEMENT - This document, along with any or documents we give you pertaining to your account(s), is a contract that establishes rules which control your account(s) with us. Please read this carefully and retain it for future reference. If you sign signature card or open or continue to use account, you agree to se rules. You will receive a separate schedule rates, qualifying balances, and fees if y are not included in this document. If you have any questions, please call us. This agreement is subject to applicable federal laws, laws state Massachusetts and or applicable rules such as operating letters Federal Reserve Banks and payment processing system rules (except to extent that this agreement can and does vary such rules or laws). The body state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here. The purpose this document is to: (1) summarize some laws that apply to common transactions; (2) establish rules to cover transactions or events which law does not regulate; (3) establish rules for certain transactions or events which law regulates but permits variation by agreement; and (4) give you disclosures some our policies to which you may be entitled or in which you may be interested. If any provision this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. We may permit some variations from our standard agreement, but we must agree to any variation in writing eir on signature card for your account or in some or document. As used in this document words we, our, and us mean financial institution and words you and your mean account holder(s) and anyone else with authority to deposit, withdraw, or exercise control over funds in account. However, this agreement does not intend, and terms you and your should not be interpreted, to expand an individual s responsibility for an organization s liability. If this account is owned by a corporation, partnership or or organization, individual liability is determined by laws generally applicable to that type organization. The headings in this document are for convenience or reference only and will not govern interpretation provisions. Unless it would be inconsistent to do so, words and phrases used in this document should be construed so singular includes plural and plural includes singular. LIABILITY - You agree, for yourself (and person or entity you represent if you sign as a representative anor) to terms this account and schedule charges. You authorize us to deduct se charges, without notice to you, directly from account balance as accrued. You will pay any additional reasonable charges for services you request which are not covered by this agreement. Each you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or overdrafts, wher caused by you or anor with access to this account. This liability is due immediately, and can be deducted directly from account balance whenever sufficient funds are available. You have no right to defer payment this liability, and you are liable regardless wher you signed item or benefited from charge or overdraft. You will be liable for our costs as well as for our reasonable attorneys fees, to extent permitted by law, wher incurred as a result collection or in any or dispute involving your account. This includes, but is not limited to, disputes between you and anor joint owner; you and an authorized signer or similar party; or a third party claiming an interest in your account. This also includes any action that you or a third party takes regarding account that causes us, in good faith, to seek advice an attorney, wher or not we become involved in dispute. All costs and attorneys fees can be deducted from your account when y are incurred, without notice to you. DEPOSITS - We will give only provisional credit until collection is final for any items, or than cash, we accept for deposit (including items drawn on us ). We may refuse, accept for collection only, or return all or part any deposit. Before settlement any item becomes final, we act only as your agent, regardless form indorsement or lack indorsement on item and even though we may provide you provisional credit for item. If we have given you credit for an item and it is not paid for any reason, we may revoke credit and charge amount item back to your account, even if this causes your account to be overdrawn. Actual credit for deposits, or payable in, foreign currency will be at exchange rate in effect on final collection in U.S. dollars. We are not responsible for transactions by mail or outside depository until we actually record m. We will treat and record all transactions received after our daily cutf time on a business day we are open, or received on a day we are not open for business, as if initiated on next business day that we are open. At our option, we may take an item for collection rar than for deposit. If we accept a third-party check for deposit, we may require any third-party indorsers to verify or guarantee ir indorsements, or indorse in our presence. WITHDRAWALS - Generally - Unless clearly indicated orwise on account records, any you, acting alone, who signs to open account or has authority to make withdrawals may withdraw or transfer all or any part account balance at any time. Each you (until we receive written notice to contrary) authorizes each or person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any or transaction with us. Postdated checks - A postdated check is one which bears a date later than date on which check is written. We may properly pay and charge your account for a postdated check even though payment was made before date check, unless we have received written notice postdating in time to have a reasonable opportunity to act. Because we process checks mechanically, your notice will not be effective and we will not be liable for failing to honor your notice unless it precisely identifies number, date, amount and payee item. Checks and withdrawal rules - If you do not purchase your check blanks from us, you must be certain that we approve check blanks you purchase. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us or by any method we do not specifically permit. We may refuse any withdrawal or transfer request which is greater in number than frequency permitted, or which is for an amount greater or less than any withdrawal limitations. We will use date transaction is completed by us (as opposed to date you initiate it) to apply frequency limitations. In addition, we may place limitations on account until your identity is verified. Even if we honor a nonconforming request, we are not required to do so later. If you violate stated transaction limitations (if any), in our discretion we may close your account or reclassify it as a transaction account. If we reclassify your account, your account will be subject to fees and earnings rules new account classification. If we are presented with an item drawn against your account that would be a substitute check, as defined by law, but for an error or defect in item introduced in substitute check creation process, you agree that we may pay such item. See funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts to which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. We may determine amount available funds in your account for purpose deciding wher to return an item for insufficient funds at any time between time we receive item and when we return item or send a notice in lieu return. We need only make one determination, but if we choose to make a subsequent determination, account balance at subsequent time will determine wher re are insufficient available funds. A temporary debit authorization hold affects your account balance - On debit card purchases, merchants may request a temporary hold on your account for a specified sum money, which may be more than actual amount your purchase. When this happens, our processing system cannot determine that amount hold exceeds actual amount your purchase. This temporary hold, and amount charged to your account, will eventually be adjusted to actual amount your purchase, but it may be up to three days before adjustment is made. Until adjustment is made, amount funds in your account available for or transactions will be reduced by amount temporary hold. If anor transaction is presented for payment in an amount greater than funds left after deduction temporary hold amount, that transaction will be a nonsufficient funds (NSF) transaction if we do not pay it or an overdraft transaction if we do pay it. You will be charged an NSF or overdraft fee according to our NSF or overdraft fee policy. You will be charged fee even if you would have had sufficient funds in your account if amount hold had been equal to amount your purchase. Overdrafts - You understand that we may, at our discretion, honor withdrawal requests that overdraw your account. However, fact that we may honor withdrawal requests that overdraw account balance does not obligate us to do so later. So you can NOT rely on us to pay overdrafts on your account regardless how frequently or under what circumstances we have paid overdrafts on your account in past. We can change our practice paying overdrafts on your account without notice to you. You can ask us if we have or account services that might be available to you where we commit to paying overdrafts under certain circumstances, such as an overdraft protection line--credit or a plan to sweep funds from anor account you have with us. You agree that we may charge fees for overdrafts. We may use subsequent deposits, including direct deposits social security or or government benefits, to cover such overdrafts and overdraft fees. Multiple signatures, electronic check conversion, and similar transactions - An electronic check conversion transaction is a transaction where a check or similar item is converted into an electronic fund transfer as defined in Electronic Fund Transfers regulation. In se types transactions check or similar item is eir removed from circulation (truncated) or given back to you. As a result, we have no opportunity to review check to examine signatures on item. You agree that, as to se or any items as to which we have no opportunity to examine signatures, you waive any requirement multiple signatures. CHAPTER 167D ACCOUNTS - Except as indicated below, we do not intend vto subject your account to (i) a service, maintenance or similar charge, (ii) a minimum balance requirement, (iii) a charge for a check, deposit or withdrawal, or (iv) a fee for initial order or subsequent refills basic line checks fered by us if you qualify for minor or senior citizen fee exemption under Chapter 167D Massachusetts General Laws. You should notify us if you or your spouse qualify so that we may administer your account accordingly. Despite this exemption, we may assess a fee for certain services in accordance with our published service charge schedule, including stop payment orders, wire transfers, certified or bank checks, money orders and deposit items returned, transactions at electronic branches and through or electronic devices, and services not directly associated with deposit, withdrawal or transfer funds from any such account; and we may assess you a reasonable charge when payment has been refused because insufficient funds on any check or or transaction on account (as permitted by law). OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on form ownership and beneficiary designation, if any, specified on account records. We reserve right to refuse some forms ownership on any or all our accounts. We make no representations as to appropriateness or effect ownership and beneficiary designations, except as y determine to whom we pay account funds. Individual Account - is an account in name one person. Joint Account - With Survivorship (And Not As Tenants In Common) - is an account in name two or more persons. Each you intend that when you die balance in account (subject to any previous pledge to which we have agreed) will belong to survivor(s). If two or more you survive, you will own balance in account as joint tenants with survivorship and not as tenants in common. Revocable Trust Account - One or two you (called trustees) may create such an account in trust for or persons. Payments may be made to trustee, or if re are two trustees, to eir or both trustees or survivor. Upon death trustee or death both trustees, payment may be made to person or persons who survive death last surviving trustee in an equal portion funds for whom trust was made, or that person s legal representative. OVERDRAFTS [Insufficient (NSF) and/or Unavailable Funds (UAF)] An overdraft is an advance funds made by Bank to you, at our sole discretion, to pay a check or substitute check image, in-person withdrawal, ATM withdrawal, ATM Card or Visa CheckCard withdrawal, or any withdrawal by or electronic means from your account. If your account is presented with any withdrawal request for payment, for more money than you have available for withdrawal from your account, at our sole discretion, we may eir permit withdrawal or we may refuse payment, and return it unpaid. Please note that ATM and Debit Card transactions will not be considered for discretionary payment. There may be a fee for each paid or returned item that is presented against insufficient fu nds (N SF) or un available funds (UAF). Please refer to FEE SCHEDULE, Or Fees and Charges for specific information regarding fees. We will not be liable to you for any Bank decision to pay or not pay your overdrawn item(s). If we pay overdrawn item(s) on one or more occasions, we are not obligated to continue to pay overdrawn items. At any time without advance notice to you, we may decline an item and return it unpaid. If we pay item(s), you agree to immediately pay amount account is overdrawn. If your account is a joint account, each owner is responsible for overdraft(s) regardless whose payment order caused overdraft(s). If you fail to pay an overdraft that has occurred on your account, we may report this information to a consumer reporting agency. If we take any legal action to collect any amount that you owe us, such as filing a lawsuit, you will pay all reasonable expenses, including attorney s fees. If you do not wish to have us pay overdraft(s), you may opt-out by providing written instructions to Bank. A customer service representative can provide you with details. To help you manage overdrafts on your account, you may apply for an Overdraft Protection Line Credit for your account. You will incur finance charges on your Overdraft Protection Line Credit, or, you may link anor account from which we will transfer funds to cover overdrafts. Under federal regulations, you are allowed six (6) transfers within a statement cycle to or from a savings account or a money market account. We may charge you a transfer fee each time we transfer funds to cover an overdraft. Please refer to separate Fee Schedule, Or Fees and Charges section for specific information regarding fees. If an Overdraft Protection Line Credit is linked to your account for overdraft protection and we advance funds from your Overdraft Protection Line Credit to cover an overdraft, you agree that you will be responsible for any liability arising under Overdraft Protection Line Credit regardless which owner applied for Overdraft Protection Line Credit or caused overdraft to occur. Processing Order We may establish different processing orders for checks and or items. We process deposit and or credit transactions prior to withdrawals and or debit transactions. Payments may not be processed in order received. We typically, as described below, process first by category and n within each category by dollar amount. We process low dollar transactions up to high dollar transactions. If re are not enough available funds to cover all checks and or items processed on any given day, our processing orders typically results in fewer unavailable funds items and fewer fees than may have resulted if we had used a high-to-low processing order. Credits are processed first Debits - In person payments and withdrawals (Cape Cod Five Online, Automated Telephone Banking and In Branch payment orders) - Previously authorized withdrawals (Loan payment, Bill payment, Safe Deposit Box payment, ATM and/or Check Card withdrawals) - Inclearing transactions (Checks, ACH and or electronic payments) - Scheduled transfers - Service charges We may in our sole discretion change our priorities, categories, or payment orders at any time without notice to you. STOP PAYMENTS - Unless orwise provided, rules in this section cover stopping payment items such as checks and drafts. Rules for stopping payment or types transfers funds, such as consumer electronic fund transfers, may be established by law or our policy. If we have not disclosed se rules to you elsewhere, you may ask us about those rules. We may accept an order to stop payment on any item from any one you. You must make any stop-payment order in manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stoppayment cutf time. When you place your stop-payment order we will tell you what information we need to stop payment. This information must be exact since stop-payment orders are handled by computers. If your information is not exact your order will not be effective and we will not be responsible for failure to stop payment. You may stop payment on any item drawn on your account wher you sign item or not. Generally, if your stop-payment order is given to us in writing it is effective for six months. Your order will lapse after that time if you do not renew order in writing before end six-month period. We are not obligated to notify you when a stop-payment order expires. A release stop-payment request may be made only by person who initiated stop-payment order. If you stop payment on an item and we incur any damages or expenses because stop payment, you agree to indemnify us for those damages or expenses, including attorneys fees. You assign to us all rights against payee or any or holder item. You agree to cooperate with us in any legal actions that we may take against such persons. You should be aware that anyone holding item may be entitled to enforce payment against you despite stop-payment order. TRANSFER LIMITATIONS - Transfers from statement savings and money market accounts to anor account or to third parties by preauthorized, automatic, electronic, telephone transfer, check, draft or similar order are limited to six per statement cycle. We may not allow se item numbers to be exceeded. Federal regulations require compliance with se restrictions. We may be required to close your account, take away any ability to transfer and write checks, or convert account to a checking or or transaction account, if se restrictions are violated. A preauthorized transfer includes any arrangement with us to pay a third party from your account at (i) a predetermined time; (ii) on a fixed schedule or (iii) upon oral or written orders including orders received through automated clearing house (ACH). If transfer or withdrawal is initiated in person, by mail, or at an ATM n re is no limit on number payments that may be made directly to you, directly to us for amounts you owe us, or transfers to or accounts you have with us. Withdrawals by phone are also unlimited if you are requesting that a check be mailed to you. AMENDMENTS AND TERMINATION - We may change any term this agreement. Rules governing changes in interest rates are provided separately in Truth-in- Savings disclosure or in anor document. For or changes, we will give you reasonable notice in writing or by any or method permitted by law. We may also close this account at any time upon reasonable notice to you and tender account balance personally or by mail. Items presented for payment after account is closed may be dishonored. When you close your account, you are responsible for leaving enough money in account to cover any outstanding items to be paid from account. Reasonable notice depends on circumstances, and All About Your Personal Deposit Account All About Your Personal Deposit Account Terms and Conditions Electronic Transfers Funds Availability Substitute Checks

18 31 Important Documents and Disclosures in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and n give you notice. You agree to keep us informed your current address at all times. Notice from us to any one you is notice to all you. If we have notified you a change in any term your account and you continue to have your account after effective date change, you have agreed to new term(s). STATEMENTS - Your duty to report unauthorized signatures, alterations and forgeries - You must examine your statement account with reasonable promptness. If you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us relevant facts. As between you and us, if you fail to do eir se duties, you will have to eir share loss with us, or bear loss entirely yourself (depending on wher we used ordinary care and, if not, wher we substantially contributed to loss). The loss could be not only with respect to items on statement but or items with unauthorized signatures or alterations by same wrongdoer. You agree that time you have to examine your statement and report to us will depend on circumstances, but will not, in any circumstance, exceed a total 30 days from when statement is first sent or made available to you. You furr agree that if you fail to report any unauthorized signatures, alterations or forgeries in your account within 60 days when we first send or make statement available, you cannot assert a claim against us on any items in that statement, and as between you and us loss will be entirely yours. This 60-day limitation is without regard to wher we used ordinary care. The limitation in this paragraph is in addition to that contained in first paragraph this section. Your duty to report or errors - In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any or error - such as an encoding error. You agree that time you have to examine your statement and report to us will depend on circumstances. However, such time period shall not exceed 60 days. Failure to examine your statement and report any such errors to us within 60 days when we first send or make statement available precludes you from asserting a claim against us for any such errors on items identified in that statement and as between you and us loss will be entirely yours. ACCOUNT TRANSFER - This account may not be transferred or assigned without our prior written consent. DIRECT DEPOSITS - If we are required for any reason to reimburse federal government for all or any portion a benefit payment that was directly deposited into your account, you authorize us to deduct amount our liability to federal government from account or from any or account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any or legal remedy to recover amount our liability. SETOFF - We may (without prior notice and when permitted by law) set f funds in this account against any due and payable debt you owe us now or in future, by any you having right withdrawal, to extent such persons or legal entity s right to withdraw. If debt arises from a note, any due and payable debt includes total amount which we are entitled to demand payment under terms note at time we set f, including any balance due date for which we properly accelerate under note. This right setf does not apply to this account if prohibited by law. For example, right setf does not apply to this account if: (a) it is an Individual Retirement Account or similar tax-deferred account, or (b) debt is created by a consumer credit transaction under a credit card plan (but this does not affect our rights under any consensual security interest), or (c) debtor s right withdrawal only arises in a representative capacity. We will not be liable for dishonor any check when dishonor occurs because we set f a debt against this account. You agree to hold us harmless from any claim arising as a result our exercise our right setf. RESTRICTIVE LEGENDS - The automated processing large volume checks we receive prevents us from inspecting or looking for special instructions or restrictive legends on every check. Examples restrictive legends placed on checks are must be presented within 90 days or not valid for more than $1, For this reason, we are not required to honor any restrictive legend placed on checks you write unless we have agreed in writing to restriction. We are not responsible for any losses, claims, damages, or expenses that result from your placement se or or special instructions on your checks. CREDIT VERIFICATION - You agree that we may verify credit and employment history by any necessary means, including preparation a credit report by a credit reporting agency. CHECK PROCESSING - We process items mechanically by relying solely on information encoded in magnetic ink along bottom items. This means that we do not individually examine all your items to determine if item is properly completed, signed and indorsed or to determine if it contains any information or than what is encoded in magnetic ink. You agree that we have not failed to exercise ordinary care solely because we use our automated system to process items and do not inspect all items processed in such a manner. Using an automated process helps us keep costs down for you and all account holders. CHECK CASHING - We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or or instrument written on your account. We may also require reasonable identification to cash such a check, draft or or instrument. We can decide what identification is reasonable under circumstances and such identification may be documentary or physical and may include collecting a thumbprint or fingerprint. EARLY WITHDRAWAL PENALTIES (and involuntary withdrawals) - We may impose early withdrawal penalties on a withdrawal from a time account even if you don t initiate withdrawal. For instance, early withdrawal penalty may be imposed if withdrawal is caused by our setf against funds in account or as a result an attachment or or legal process. We may close your account and impose early withdrawal penalty on entire account balance in event a partial early withdrawal. See your notice penalty for early withdrawals for additional information. WAIVER OF NOTICES - You waive any notice non-payment, dishonor or protest regarding any items credited to or charged against your account. ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A Uniform Commercial Code - Fund Transfers as adopted in state in which you have your account with us. If you originate a fund transfer and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on identifying number to make payment. We may rely on number even if it identifies a financial institution, person or account or than one named. You agree to be bound by automated clearing house association rules. These rules provide, among or things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is orwise made as provided in Article 4A-403(a) Uniform Commercial Code. If we do not receive such payment, we are entitled to a refund from you in amount credited to your account and party originating such payment will not be considered to have paid amount so credited. If we receive a payment order to credit an account you have with us by wire or ACH, we are not required to give you any notice payment order or credit. FACSIMILE SIGNATURES - Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks or or orders. If we do agree to honor items containing facsimile signatures, you authorize us, at any time, to charge you for all checks, drafts, or or orders, for payment money, that are drawn on us. You give us this authority regardless by whom or by what means facsimile signature(s) may have been affixed so long as y resemble facsimile signature specimen filed with us, and contain required number signatures for this purpose. You must notify us at once if you suspect that your facsimile signature is being or has been misused. PLEDGES - Each owner this account may pledge all or any part funds in it for any purpose to which we agree. Any pledge this account must first be satisfied before rights any surviving account owner or account beneficiary become effective. For example, if an account has two owners and one owners pledges account (i.e., uses it to secure a debt) and n dies, (1) surviving owner s rights in this account do not take effect until debt has been satisfied, and (2) debt may be satisfied with funds in this account. POWER OF ATTORNEY - You may wish to appoint an agent to conduct transactions on your behalf. (We, however, have no duty or agreement whatsoever to monitor or insure that acts agent are for your benefit.) This may be done by allowing your agent to sign in that capacity on signature card or by separate form, such as a power attorney. A power attorney continues until your death or death person given power. If power attorney is not durable, it is revoked when you become incompetent. We may continue to honor transactions agent until: (a) we have received written notice or have actual knowledge termination authority or death an owner, and (b) we have had a reasonable opportunity to act on that notice or knowledge. You agree not to hold us responsible for any loss or damage you may incur as a result our following instructions given by an agent acting under a valid power attorney. STALE-DATED CHECKS - We are not obligated to, but may at our option, pay a check, or than a certified check, presented for payment more than six months after its date. If you do not want us to pay a stale-dated check, you must place a stop-payment order on check in manner we have described elsewhere. FDIC INSURANCE - Funds in your account(s) with us are insured by Federal Deposit Insurance Corporation (FDIC) and backed by full faith and credit United States. The amount insurance coverage you have depends on number accounts you have with us that are different ownership. An individual account is one unique form ownership ; a joint account, a pay-ondeath account, and a self directed qualified retirement account (e.g., an IRA) are examples some ors. Deposit insurance for a person s self directed qualified retirement account is up to $250,000. (An IRA is a self directed qualified retirement account as is any account where owner decides where and how to invest balance.) Funds are insured to $250,000 per depositor for total funds combined in all your or insured accounts with us. If you want a more detailed explanation or additional information, you may ask us or contact FDIC. You can also visit FDIC website at and click on Deposit Insurance link. The link includes detailed contact information as well as a deposit insurance estimator. INDORSEMENTS - We may accept for deposit any item payable to you or your order, even if y are not indorsed by you. We may give cash back to any one you. We may supply any missing indorsement(s) for any item we accept for deposit or collection, and you warrant that all indorsements are genuine. To ensure that your check or share draft is processed without delay, you must indorse it (sign it on back) in a specific area. Your entire indorsement (wher a signature or a stamp) along with any or indorsement information (e.g. additional indorsements, ID information, driver s license number, etc.) must fall within 11/2 trailing edge a check. Indorsements must be made in blue or black ink, so that y are readable by automated check processing equipment. As you look at front a check, trailing edge is left edge. When you flip check over, be sure to keep all indorsement information within 11/2 that edge. It is important that you confine indorsement information to this area since remaining blank space will be used by ors in processing check to place additional needed indorsements and information. You agree that you will indemnify, defend, and hold us harmless for any loss, liability, damage or expense that occurs because your indorsement, anor indorsement or information you have printed on back check obscures our indorsement. These indorsement guidelines apply to both personal and business checks. UNCLAIMED PROPERTY - The law establishes procedures under which unclaimed property must be surrendered to state. (We may have our own rules regarding dormant accounts, and if we charge a fee for dormant accounts it will be disclosed to you elsewhere.) Generally, funds in your account are considered unclaimed if you have not had any activity or communication with us regarding your account over a period years. Ask us if you want furr information about period time or type activity that will prevent your account from being unclaimed. If your funds are surrendered to state, you may be able to reclaim m, but your claim must be presented to state. Once your funds are surrendered, we no longer have any liability or responsibility with respect to funds. DEATH OR INCOMPETENCE - You agree to notify us promptly if any person with a right to withdraw funds from your account(s) dies or becomes legally incompetent. We may continue to honor your checks, items, and instructions until: (a) we know your death or incompetence, and (b) we have had a reasonable opportunity to act on that knowledge. You agree that we may pay or certify checks drawn on or before date death or legal incompetence for up to ten (10) days after your death or legal incompetence unless ordered to stop payment by someone claiming an interest in account. UTMA ACCOUNTS - Under Uniform Transfers to Minors Act, funds in account are owned by child who has unconditional use account when he or she reaches age majority. Before that time, account may be accessed only by custodian (or successor custodian), and funds must be used for benefit child. We, however, have no duty or agreement whatsoever to monitor or insure that acts custodian (or successor custodian) are for child s benefit. For this type account, child s SSN/TIN is used for Backup Withholding Certification. FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in a fiduciary capacity. A fiduciary is someone who is appointed to act on behalf and for benefit anor. This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders. You understand that by merely opening such an account, we are not acting in capacity a trustee in connection with trust nor do we undertake any obligation to monitor or enforce terms trust or letters. BACKUP WITHHOLDING/TIN CERTIFICATION - Federal tax law requires us to report interest payments we make to you $10 or more in a year, and to include your taxpayer identification number (TIN) on report. Interest includes dividends, interest and bonus payments for purposes this rule. Therefore, we require you to provide us with your TIN and to certify that it is correct. The TIN is eir a social security number (SSN) or an employer identification number (EIN). For most organization or business accounts or than sole proprietorships, appropriate TIN is EIN organization or business entity. For sole proprietorships, eir SSN or EIN is appropriate. However, we must supply IRS with both individual owner s name and business name sole proprietorship. The appropriate TINs for various or types accounts are: Account type - TIN Individual - SSN individual. Joint Account - SSN owner named first on account. Uniform Gift/Transfer to Minor - SSN minor. Informal (Revocable) Trust - SSN owner. In some circumstances, federal law requires us to withhold and pay to IRS a percentage interest that is earned on funds in your accounts. This is known as backup withholding. We will not have to withhold interest payments when you open your account if you certify your TIN and certify that you are not subject to backup withholding due to underreporting interest. We may subsequently be required to begin backup withholding if IRS informs us that you supplied an incorrect TIN or that you underreported your interest income. If you do not have a TIN, we may defer backup withholding if you certify that you do not have a TIN but have applied for one. However, we must begin backup withholding if you do not supply us with a certified TIN within 60 days. If you do not have a TIN because you are a foreign person (eir an individual who is a nonresident alien or a foreign organization) you must certify your foreign status. If you are an exempt payee (receiver interest payments), you do not need to certify your TIN, but you will have to certify your exempt status and supply us with your TIN. The most common exempt payees are corporations, organizations exempt from tax under Section 501(a), and an individual retirement plan or a custodial account under Section 403(b)(7). If you do not supply us with appropriate TIN, we may refuse to open your account. CHANGING ACCOUNT PRODUCTS - We may change your account to anor product fered by us at any time by giving you notice that your account will be changed to anor product on a specified date. If your account is a time account, change will not occur before next maturity date your account. If you do not close your account before date specified in notice, we may change your account to that or product on date specified in notice. LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a subpoena, restraining order, writ attachment or execution, levy, garnishment, search warrant, or similar order relating to your account (termed legal action in this section), we will comply with that legal action. Or, in our discretion, we may freeze assets in account and not allow any payments out account until a final court determination regarding legal action. We may do se things even if legal action involves less than all you. In se cases, we will not have any liability to you if re are insufficient funds to pay your items because we have withdrawn funds from your account or in any way restricted access to your funds in accordance with legal action. Any fees or expenses we incur in responding to any legal action (including, without limitation, attorneys fees and our internal expenses) may be charged against your account. The list fees applicable to your account(s) provided elsewhere may specify additional fees that we may charge for certain legal actions. CHECK STORAGE AND COPIES - You agree that if you do not receive your canceled checks, we will store your canceled checks or copies m for a reasonable retention period. You may request copies from us in manner we require. TRUNCATION, SUBSTITUTE CHECKS, AND OTHER CHECK IMAGES - If you truncate an original check and create a substitute check, or or paper or electronic image original check, you warrant that no one will be asked to make payment on original check, a substitute check or any or electronic Terms and Conditions Your Account in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and n give you notice. You agree to keep us informed your current address at all times. Notice from us to any one you is notice to all you. If we have notified you a change in any term your account and you continue to have your account after effective date change, you have agreed to new term(s). STATEMENTS - Your duty to report unauthorized signatures, alterations and forgeries - You must examine your statement account with reasonable promptness. If you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us relevant facts. As between you and us, if you fail to do eir se duties, you will have to eir share loss with us, or bear loss entirely yourself (depending on wher we used ordinary care and, if not, wher we substantially contributed to loss). The loss could be not only with respect to items on statement but or items with unauthorized signatures or alterations by same wrongdoer. You agree that time you have to examine your statement and report to us will depend on circumstances, but will not, in any circumstance, exceed a total 30 days from when statement is first sent or made available to you. You furr agree that if you fail to report any unauthorized signatures, alterations or forgeries in your account within 60 days when we first send or make statement available, you cannot assert a claim against us on any items in that statement, and as between you and us loss will be entirely yours. This 60-day limitation is without regard to wher we used ordinary care. The limitation in this paragraph is in addition to that contained in first paragraph this section. Your duty to report or errors - In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any or error - such as an encoding error. You agree that time you have to examine your statement and report to us will depend on circumstances. However, such time period shall not exceed 60 days. Failure to examine your statement and report any such errors to us within 60 days when we first send or make statement available precludes you from asserting a claim against us for any such errors on items identified in that statement and as between you and us loss will be entirely yours. ACCOUNT TRANSFER - This account may not be transferred or assigned without our prior written consent. DIRECT DEPOSITS - If we are required for any reason to reimburse federal government for all or any portion a benefit payment that was directly deposited into your account, you authorize us to deduct amount our liability to federal government from account or from any or account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any or legal remedy to recover amount our liability. SETOFF - We may (without prior notice and when permitted by law) set f funds in this account against any due and payable debt you owe us now or in future, by any you having right withdrawal, to extent such persons or legal entity s right to withdraw. If debt arises from a note, any due and payable debt includes total amount which we are entitled to demand payment under terms note at time we set f, including any balance due date for which we properly accelerate under note. This right setf does not apply to this account if prohibited by law. For example, right setf does not apply to this account if: (a) it is an Individual Retirement Account or similar tax-deferred account, or (b) debt is created by a consumer credit transaction under a credit card plan (but this does not affect our rights under any consensual security interest), or (c) debtor s right withdrawal only arises in a representative capacity. We will not be liable for dishonor any check when dishonor occurs because we set f a debt against this account. You agree to hold us harmless from any claim arising as a result our exercise our right setf. RESTRICTIVE LEGENDS - The automated processing large volume checks we receive prevents us from inspecting or looking for special instructions or restrictive legends on every check. Examples restrictive legends placed on checks are must be presented within 90 days or not valid for more than $1, For this reason, we are not required to honor any restrictive legend placed on checks you write unless we have agreed in writing to restriction. We are not responsible for any losses, claims, damages, or expenses that result from your placement se or or special instructions on your checks. CREDIT VERIFICATION - You agree that we may verify credit and employment history by any necessary means, including preparation a credit report by a credit reporting agency. CHECK PROCESSING - We process items mechanically by relying solely on information encoded in magnetic ink along bottom items. This means that we do not individually examine all your items to determine if item is properly completed, signed and indorsed or to determine if it contains any information or than what is encoded in magnetic ink. You agree that we have not failed to exercise ordinary care solely because we use our automated system to process items and do not inspect all items processed in such a manner. Using an automated process helps us keep costs down for you and all account holders. CHECK CASHING - We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or or instrument written on your account. We may also require reasonable identification to cash such a check, draft or or instrument. We can decide what identification is reasonable under circumstances and such identification may be documentary or physical and may include collecting a thumbprint or fingerprint. EARLY WITHDRAWAL PENALTIES (and involuntary withdrawals) - We may impose early withdrawal penalties on a withdrawal from a time account even if you don t initiate withdrawal. For instance, early withdrawal penalty may be imposed if withdrawal is caused by our setf against funds in account or as a result an attachment or or legal process. We may close your account and impose early withdrawal penalty on entire account balance in event a partial early withdrawal. See your notice penalty for early withdrawals for additional information. WAIVER OF NOTICES - You waive any notice non-payment, dishonor or protest regarding any items credited to or charged against your account. ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A Uniform Commercial Code - Fund Transfers as adopted in state in which you have your account with us. If you originate a fund transfer and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on identifying number to make payment. We may rely on number even if it identifies a financial institution, person or account or than one named. You agree to be bound by automated clearing house association rules. These rules provide, among or things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is orwise made as provided in Article 4A-403(a) Uniform Commercial Code. If we do not receive such payment, we are entitled to a refund from you in amount credited to your account and party originating such payment will not be considered to have paid amount so credited. If we receive a payment order to credit an account you have with us by wire or ACH, we are not required to give you any notice payment order or credit. FACSIMILE SIGNATURES - Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks or or orders. If we do agree to honor items containing facsimile signatures, you authorize us, at any time, to charge you for all checks, drafts, or or orders, for payment money, that are drawn on us. You give us this authority regardless by whom or by what means facsimile signature(s) may have been affixed so long as y resemble facsimile signature specimen filed with us, and contain required number signatures for this purpose. You must notify us at once if you suspect that your facsimile signature is being or has been misused. PLEDGES - Each owner this account may pledge all or any part funds in it for any purpose to which we agree. Any pledge this account must first be satisfied before rights any surviving account owner or account beneficiary become effective. For example, if an account has two owners and one owners pledges account (i.e., uses it to secure a debt) and n dies, (1) surviving owner s rights in this account do not take effect until debt has been satisfied, and (2) debt may be satisfied with funds in this account. POWER OF ATTORNEY - You may wish to appoint an agent to conduct transactions on your behalf. (We, however, have no duty or agreement whatsoever to monitor or insure that acts agent are for your benefit.) This may be done by allowing your agent to sign in that capacity on signature card or by separate form, such as a power attorney. A power attorney continues until your death or death person given power. If power attorney is not durable, it is revoked when you become incompetent. We may continue to honor transactions agent until: (a) we have received written notice or have actual knowledge termination authority or death an owner, and (b) we have had a reasonable opportunity to act on that notice or knowledge. You agree not to hold us responsible for any loss or damage you may incur as a result our following instructions given by an agent acting under a valid power attorney. STALE-DATED CHECKS - We are not obligated to, but may at our option, pay a check, or than a certified check, presented for payment more than six months after its date. If you do not want us to pay a stale-dated check, you must place a stop-payment order on check in manner we have described elsewhere. FDIC INSURANCE - Funds in your account(s) with us are insured by Federal Deposit Insurance Corporation (FDIC) and backed by full faith and credit United States. The amount insurance coverage you have depends on number accounts you have with us that are different ownership. An individual account is one unique form ownership ; a joint account, a pay-ondeath account, and a self directed qualified retirement account (e.g., an IRA) are examples some ors. Deposit insurance for a person s self directed qualified retirement account is up to $250,000. (An IRA is a self directed qualified retirement account as is any account where owner decides where and how to invest balance.) Funds are insured to $250,000 per depositor for total funds combined in all your or insured accounts with us. If you want a more detailed explanation or additional information, you may ask us or contact FDIC. You can also visit FDIC website at and click on Deposit Insurance link. The link includes detailed contact information as well as a deposit insurance estimator. INDORSEMENTS - We may accept for deposit any item payable to you or your order, even if y are not indorsed by you. We may give cash back to any one you. We may supply any missing indorsement(s) for any item we accept for deposit or collection, and you warrant that all indorsements are genuine. To ensure that your check or share draft is processed without delay, you must indorse it (sign it on back) in a specific area. Your entire indorsement (wher a signature or a stamp) along with any or indorsement information (e.g. additional indorsements, ID information, driver s license number, etc.) must fall within 11/2 trailing edge a check. Indorsements must be made in blue or black ink, so that y are readable by automated check processing equipment. As you look at front a check, trailing edge is left edge. When you flip check over, be sure to keep all indorsement information within 11/2 that edge. It is important that you confine indorsement information to this area since remaining blank space will be used by ors in processing check to place additional needed indorsements and information. You agree that you will indemnify, defend, and hold us harmless for any loss, liability, damage or expense that occurs because your indorsement, anor indorsement or information you have printed on back check obscures our indorsement. These indorsement guidelines apply to both personal and business checks. UNCLAIMED PROPERTY - The law establishes procedures under which unclaimed property must be surrendered to state. (We may have our own rules regarding dormant accounts, and if we charge a fee for dormant accounts it will be disclosed to you elsewhere.) Generally, funds in your account are considered unclaimed if you have not had any activity or communication with us regarding your account over a period years. Ask us if you want furr information about period time or type activity that will prevent your account from being unclaimed. If your funds are surrendered to state, you may be able to reclaim m, but your claim must be presented to state. Once your funds are surrendered, we no longer have any liability or responsibility with respect to funds. DEATH OR INCOMPETENCE - You agree to notify us promptly if any person with a right to withdraw funds from your account(s) dies or becomes legally incompetent. We may continue to honor your checks, items, and instructions until: (a) we know your death or incompetence, and (b) we have had a reasonable opportunity to act on that knowledge. You agree that we may pay or certify checks drawn on or before date death or legal incompetence for up to ten (10) days after your death or legal incompetence unless ordered to stop payment by someone claiming an interest in account. UTMA ACCOUNTS - Under Uniform Transfers to Minors Act, funds in account are owned by child who has unconditional use account when he or she reaches age majority. Before that time, account may be accessed only by custodian (or successor custodian), and funds must be used for benefit child. We, however, have no duty or agreement whatsoever to monitor or insure that acts custodian (or successor custodian) are for child s benefit. For this type account, child s SSN/TIN is used for Backup Withholding Certification. FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in a fiduciary capacity. A fiduciary is someone who is appointed to act on behalf and for benefit anor. This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders. You understand that by merely opening such an account, we are not acting in capacity a trustee in connection with trust nor do we undertake any obligation to monitor or enforce terms trust or letters. BACKUP WITHHOLDING/TIN CERTIFICATION - Federal tax law requires us to report interest payments we make to you $10 or more in a year, and to include your taxpayer identification number (TIN) on report. Interest includes dividends, interest and bonus payments for purposes this rule. Therefore, we require you to provide us with your TIN and to certify that it is correct. The TIN is eir a social security number (SSN) or an employer identification number (EIN). For most organization or business accounts or than sole proprietorships, appropriate TIN is EIN organization or business entity. For sole proprietorships, eir SSN or EIN is appropriate. However, we must supply IRS with both individual owner s name and business name sole proprietorship. The appropriate TINs for various or types accounts are: Account type - TIN Individual - SSN individual. Joint Account - SSN owner named first on account. Uniform Gift/Transfer to Minor - SSN minor. Informal (Revocable) Trust - SSN owner. In some circumstances, federal law requires us to withhold and pay to IRS a percentage interest that is earned on funds in your accounts. This is known as backup withholding. We will not have to withhold interest payments when you open your account if you certify your TIN and certify that you are not subject to backup withholding due to underreporting interest. We may subsequently be required to begin backup withholding if IRS informs us that you supplied an incorrect TIN or that you underreported your interest income. If you do not have a TIN, we may defer backup withholding if you certify that you do not have a TIN but have applied for one. However, we must begin backup withholding if you do not supply us with a certified TIN within 60 days. If you do not have a TIN because you are a foreign person (eir an individual who is a nonresident alien or a foreign organization) you must certify your foreign status. If you are an exempt payee (receiver interest payments), you do not need to certify your TIN, but you will have to certify your exempt status and supply us with your TIN. The most common exempt payees are corporations, organizations exempt from tax under Section 501(a), and an individual retirement plan or a custodial account under Section 403(b)(7). If you do not supply us with appropriate TIN, we may refuse to open your account. CHANGING ACCOUNT PRODUCTS - We may change your account to anor product fered by us at any time by giving you notice that your account will be changed to anor product on a specified date. If your account is a time account, change will not occur before next maturity date your account. If you do not close your account before date specified in notice, we may change your account to that or product on date specified in notice. LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a subpoena, restraining order, writ attachment or execution, levy, garnishment, search warrant, or similar order relating to your account (termed legal action in this section), we will comply with that legal action. Or, in our discretion, we may freeze assets in account and not allow any payments out account until a final court determination regarding legal action. We may do se things even if legal action involves less than all you. In se cases, we will not have any liability to you if re are insufficient funds to pay your items because we have withdrawn funds from your account or in any way restricted access to your funds in accordance with legal action. Any fees or expenses we incur in responding to any legal action (including, without limitation, attorneys fees and our internal expenses) may be charged against your account. The list fees applicable to your account(s) provided elsewhere may specify additional fees that we may charge for certain legal actions. CHECK STORAGE AND COPIES - You agree that if you do not receive your canceled checks, we will store your canceled checks or copies m for a reasonable retention period. You may request copies from us in manner we require. TRUNCATION, SUBSTITUTE CHECKS, AND OTHER CHECK IMAGES - If you truncate an original check and create a substitute check, or or paper or electronic image original check, you warrant that no one will be asked to make payment on original check, a substitute check or any or electronic Terms and Conditions Your Account

19 or paper image, if payment obligation relating to original check has already been paid. You also warrant that any substitute check you create conforms to legal requirements and generally accepted specifications for substitute checks. You agree to retain original check in conformance with our internal policy for retaining original checks. You agree to indemnify us for any loss we may incur as a result any truncated check transaction you initiate. We can refuse to accept substitute checks that have not previously been warranted by a bank or or financial institution in conformance with Check 21 Act. Unless specifically stated in a separate agreement between you and us, we do not have to accept any or electronic or paper image an original check. SECURITY - It is your responsibility to protect account numbers and electronic access devices (e.g., an ATM card) we provide you for your account(s). Do not discuss, compare, or share information about your account number(s) with anyone unless you are willing to give m full use your money. An account number can be used by thieves to encode your number on a false demand draft which looks like and functions like an authorized check. If you furnish your access device and grant actual authority to make transfers to anor person (a family member or coworker, for example) who n exceeds that authority, you are liable for transfers unless we have been notified that transfers by that person are no longer authorized. Your account number can also be used to electronically remove money from your account. If you provide your account number in response to a telephone solicitation for purpose making a transfer (to purchase a service or merchandise, for example), payment can be made from your account even though you did not contact us directly and order payment. You must also take precaution in safeguarding your blank checks. Notify us at once if you believe your checks have been lost or stolen. As between you and us, if you are negligent in safeguarding your checks, you must bear loss entirely yourself or share loss with us (we may have to share some loss if we failed to use ordinary care and if we substantially contributed to loss). You agree that if we fer you services appropriate for your account to help identify and limit fraud or or unauthorized transactions against your account, such as positive pay or commercially reasonable security procedures, and you reject those services, you will be responsible for any fraudulent or unauthorized transactions which could have been prevented by services we fered, unless we acted in bad faith or to extent our negligence contributed to loss. TELEPHONIC INSTRUCTIONS - Unless required by law or we have agreed orwise in writing, we are not required to act upon instructions you give us via facsimile transmission or leave by voice mail or on a telephone answering machine. CLAIM OF LOSS - If you claim a credit or refund because a forgery, alteration, or any or unauthorized withdrawal, you agree to cooperate with us in investigation loss, including giving us an affidavit containing whatever reasonable information we require concerning your account, transaction, and circumstances surrounding loss. You will notify law enforcement authorities any criminal act related to claim lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period time to investigate facts and circumstances surrounding any claim loss. Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss prits or opportunity, or for attorneys fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or orwise reimburse you for your loss. You will pursue your rights or, at our option, assign m to us so that we may pursue m. Our liability will be reduced by amount you recover or are entitled to recover from se or sources. ADDRESS OR NAME CHANGES - You are responsible for notifying us any change in your address or your name. Unless we agree orwise, change address or name must be made in writing by at least one account holders. Informing us your address or name change on a check reorder form is not sufficient. We will attempt to communicate with you only by use most recent address you have provided to us. If provided elsewhere, we may impose a service fee if we attempt to locate you. RESOLVING ACCOUNT DISPUTES - We may place an administrative hold on funds in your account (refuse payment or withdrawal funds) if it becomes subject to a claim adverse to (1) your own interest; (2) by ors claiming an interest as survivors or beneficiaries your account; or (3) a claim arising by operation law. The hold may be placed for such period time as we believe reasonably necessary to allow a legal proceeding to determine merits claim or until we receive evidence satisfactory to us that dispute has been resolved. We will not be liable for any items that are dishonored as a consequence placing a hold on funds in your account for se reasons. INTEREST CHECKING AND NON-INTEREST CHECKING ACCOUNTS WITH SUBACCOUNTS - For regulatory accounting purposes, your account is divided into two subaccounts: a checking subaccount and a money market subaccount. These subaccounts are treated as a single account for purposes interest payments, if applicable, minimum balance requirements, fees and charges and your account access. Your account statement and or records your account activity (e.g. ATM receipts) will reflect this account as a single account and will not reflect subaccounts or transfers between subaccounts in any way. Both subaccounts pay an identical interest rate and annual percentage yield on account balances. Although you will have no direct access to money market subaccount, you may access this subaccount only indirectly through transactions on your checking subaccounts, as described below. At various times during each statement cycle or calendar month, if your checking subaccount balance exceeds a threshold amount, we may transfer all funds in excess that amount into money market subaccount. As transactions posted against checking subaccount reduce checking subaccount below a predetermined level, we will transfer funds back into checking subaccount from money market subaccount. We may make up to six transfers from money market subaccount into checking subaccount per statement cycle or calendar month. Upon sixth such transfer in a month, we will transfer entire balance money market subaccount to checking subaccount. We may repeat this process each statement cycle or calendar month. We set balance threshold and may change it at any time at our discretion. The transfers between subaccounts will occur only on our books and will not affect balance, interest, fees, or features your account. Or than as described above, Deposit Account Agreement controls your account as if re were nosubaccounts. REMOTELY CREATED CHECKS - Like any standard check or draft, a remotely created check (sometimes called a telecheck, preauthorized draft or demand draft) is a check or draft that can be used to withdraw money from an account. Unlike a typical check or draft, however, a remotely created check is not issued by paying bank and does not contain signature account owner (or a signature purported to be signature account owner). In place a signature, check usually has a statement that owner authorized check or has owner s name typed or printed on signature line. For example, if a person provides an account number in response to a telephone solicitation, telephone solicitor can use account number to issue a remotely created check to withdraw money from that account. You warrant and agree to following for every remotely created check we receive from you for deposit or collection: (1) you have received express and verifiable authorization to create check in amount and to payee that appears on check; (2) you will maintain pro authorization for at least 2 years from date authorization, and supply us pro if we ask; and (3) if a check is returned you owe us amount check, regardless when check is returned. We may take funds from your account to pay amount you owe us, and if re are insufficient funds in your account, you still owe us remaining balance. ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types Electronic Fund Transfers we are capable handling, some which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for transactions listed. Please also see Limitations on frequency transfers section regarding additional limitations that may apply to transactions as described below. You should keep this notice for future reference. Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and third party s account. These transfers to make or receive payment may be onetime occurrences or may recur as directed by you. These transfers may use Automated Clearing House (ACH) or or payments network. Your authorization to third party to make se transfers can occur in a number ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with transaction (typically, at point purchase, a merchant will post a sign and print notice on a receipt). In all cases, se third party transfers will require you to provide third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (wher over phone, Internet, or via some or method) to trusted third parties whom you have authorized to initiate se electronic fund transfers. Examples se transfers include, but are not limited to: Preauthorized credits (single or recurring). You may make arrangements for certain direct deposits to be accepted into your checking, savings or money market account(s). Preauthorized payments (single or recurring). You may make arrangements to pay certain recurring bills from your checking, statement savings or money market account(s). Electronic check conversion. You may authorize a merchant or or payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. Electronic returned check charge. You may authorize a merchant or or payee to initiate an electronic funds transfer to collect a charge in event a check is returned for insufficient funds. Telephone Banking Services You may access your account(s) by telephone using your personal identification number, a touch tone phone, and your account numbers to: - Obtain balance and transaction information on your deposit and loan account(s). - Transfer funds between accounts, including certain loan accounts (you may not transfer out any passbook savings, certificate deposit (CD) or loan accounts). Internet and Mobile Banking Services You may access your account(s) by our Internet and/or Mobile Banking Product using your computer or mobile device, user identification number and password to: - Obtain balance and transaction information on your deposit and loan account(s). - Transfer funds between accounts, including certain loan payments (you may not transfer out any passbook savings, certificate deposit (CD) or loan accounts). - Initiate payments to third parties from your account using our Cape Cod Five BillPay Service. - Transfer funds from your deposit accounts to accounts you have at anor financial institution. - Deposit checks remotely using mobile deposit service available through Mobile Banking (refer to separate mobile deposit agreement for additional information). We reserve right to disable internet and/or mobile device access to your banking account(s) if you have not logged in for a period 6 months. Should your account be disabled and you require access, please contact us by phone at so that we may assist you with reactivation. If you have not logged in for a period 13 months, we reserve right to delete your access. Should your account be deleted, you can re-enroll by visiting us at ATM Card and Visa Check Card Services ATM (Cash) Transactions: You may access your, Statement Savings or Money Market account(s) linked to your ATM or Visa Check Card by entering your Personal Identification Number (PIN) to: - Make deposits (only available through a Cape Cod Five ATM). - Withdraw cash. - Transfer funds (between accounts linked to your card). - Obtain Account balance(s). Some se services may not be available at all terminals. POS (Purchase) Transactions: Visa Check Card: Using your Visa Check Card you may access your account to purchase goods, pay for services (in person, by phone, fax, mail or internet) or get cash from a merchant, if merchant permits, or from a participating financial institution. You may use your Visa Check Card anywhere Visa Debit Cards are accepted. Non-Visa Debit Transaction Processing - We have enabled non-visa debit transaction processing. This means you may use your Visa Check Card on a PIN Debit Network* (a non-visa network) without using a PIN. The non-visa debit network(s) for which such transactions are enabled are: NYCE Network. Examples types actions that you may be required to make to initiate a Visa transaction on your Visa Check Card include signing a receipt, providing a card number over phone or via Internet, or swiping card through a point-sale terminal. Examples types actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with biller (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead through use a PIN. The provisions your agreement with us relating only to Visa transactions are not applicable to non- Visa transactions. For example, additional limits on liability (sometimes referred to as Visa s zero-liability program) and streamlined error resolution procedures fered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. *Visa Rules generally define PIN-Debit Network as a non-visa debit network that typically aunticates transactions by use a personal identification number (PIN) but that is not generally known for having a card program. Standard Daily Transaction Limits ATM Card: You generally may make up to 10 transactions per day, and may withdraw up to $ in cash (inclusive fees and surcharges) per day. Visa Check Card: You generally may make up to 25 transactions per day, and may withdraw up to $ in cash (inclusive fees and surcharges) and purchase up to $1, in goods or services per day. You have option to limit your withdrawals and purchases to $50.00 per day, provided you ask us to do so. VISA Currency Conversion and International Transactions. When you use your Check Card at a merchant or terminal that settles in currency or than US dollars, charge will be converted into US dollar amount. The currency conversion rate used to determine transaction amount in US dollars is eir a rate selected by Visa from range rates available in wholesale currency markets for applicable central processing date, which rate may vary from rate Visa itself receives, or government-mandated rate in effect for applicable central processing date. The conversion rate in effect on processing date may differ from rate in effect on transaction date or posting date. Visa USA charges us a.8% International Service Assessment on all international transactions, regardless wher re is a currency conversion. If re is a currency conversion, International Service Assessment is 1% transaction. In eir case, we pass this international transaction fee on to you. An international transaction is a transaction where country merchant is outside USA. MasterCard/Cirrus Currency Conversion and Cross-Border Transaction Fees. If you effect a transaction at a Cirrus terminal using your Check Card or ATM card and that transaction is in a currency or than US Dollars, MasterCard will convert charge into a US Dollar amount. The MasterCard currency conversion procedure includes use eir a government-mandated exchange rate, or a wholesale rate selected by MasterCard. The exchange rate MasterCard uses will be a rate in effect on day transaction is processed. This rate may differ from rate in effect on date purchase or date transaction was posted to your account. MasterCard charges us a Currency Conversion Assessment 20 basis points (.2% transaction) for performing currency conversion. In addition, MasterCard charges us an Issuer Cross-Border Assessment 90 basis points (.9% transaction) on all cross-border transactions regardless wher re is a currency conversion. As a result, we charge you a Currency Conversion fee.2% and a Cross-Border Transaction fee.9%. The Cross-Border Transaction fee is charged on all cross-border transactions regardless wher re is a currency conversion. A crossborder transaction is a transaction processed through Global Clearing Management System or MasterCard Debit Switch in which country merchant is different than country cardholder. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or or illegal purpose. Display a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which cardholder may be located. Limitations on frequency transfers. In addition to those limitations on transfers elsewhere described, if any, following limitations apply: Transfers from a savings or money market account to anor account or to third parties by preauthorized, automatic, electronic, or telephone transfer or by check, draft, or similar order to third parties are limited to six per month. Termination - You may terminate electronic fund transfer agreement by notifying third party and Bank in writing. We may terminate electronic fund transfer agreement by written notice to you. Minimum account balance - We do not require you to maintain a minimum balance in any account as a condition using an access device (card or code) to accomplish a transfer. FEES Please refer to our Fee Schedule. Fees are subject to change. Transactions may be subject to overdraft fees. There may be fees associated with performing certain transactions (for example you may be charged a fee for a balance inquiry even if you do not complete a fund transfer) at ATMs or POS terminals not owned or operated by Bank. These or fees are not assessed by us and will not be waived. A fee may be charged to replace a lost card. DOCUMENTATION Terminal transfers. You can get a receipt at time you make a transfer to or from your account using an automated teller machine or point--sale terminal. However, you may not get a receipt if amount transfer is $15 or less. Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from same person or company, you can call us at to find out wher or not deposit has been made. Periodic statements. You will get a monthly account statement from us for your checking, statement savings, and money market accounts. You will receive a monthly statement whenever your consumer passbook account receives an electronic deposit. You may bring your passbook to us and we will record any electronic deposits that were made since last time you brought in your Terms and Conditions Your Account Important Documents and Disclosures or paper image, if payment obligation relating to original check has already been paid. You also warrant that any substitute check you create conforms to legal requirements and generally accepted specifications for substitute checks. You agree to retain original check in conformance with our internal policy for retaining original checks. You agree to indemnify us for any loss we may incur as a result any truncated check transaction you initiate. We can refuse to accept substitute checks that have not previously been warranted by a bank or or financial institution in conformance with Check 21 Act. Unless specifically stated in a separate agreement between you and us, we do not have to accept any or electronic or paper image an original check. SECURITY - It is your responsibility to protect account numbers and electronic access devices (e.g., an ATM card) we provide you for your account(s). Do not discuss, compare, or share information about your account number(s) with anyone unless you are willing to give m full use your money. An account number can be used by thieves to encode your number on a false demand draft which looks like and functions like an authorized check. If you furnish your access device and grant actual authority to make transfers to anor person (a family member or coworker, for example) who n exceeds that authority, you are liable for transfers unless we have been notified that transfers by that person are no longer authorized. Your account number can also be used to electronically remove money from your account. If you provide your account number in response to a telephone solicitation for purpose making a transfer (to purchase a service or merchandise, for example), payment can be made from your account even though you did not contact us directly and order payment. You must also take precaution in safeguarding your blank checks. Notify us at once if you believe your checks have been lost or stolen. As between you and us, if you are negligent in safeguarding your checks, you must bear loss entirely yourself or share loss with us (we may have to share some loss if we failed to use ordinary care and if we substantially contributed to loss). You agree that if we fer you services appropriate for your account to help identify and limit fraud or or unauthorized transactions against your account, such as positive pay or commercially reasonable security procedures, and you reject those services, you will be responsible for any fraudulent or unauthorized transactions which could have been prevented by services we fered, unless we acted in bad faith or to extent our negligence contributed to loss. TELEPHONIC INSTRUCTIONS - Unless required by law or we have agreed orwise in writing, we are not required to act upon instructions you give us via facsimile transmission or leave by voice mail or on a telephone answering machine. CLAIM OF LOSS - If you claim a credit or refund because a forgery, alteration, or any or unauthorized withdrawal, you agree to cooperate with us in investigation loss, including giving us an affidavit containing whatever reasonable information we require concerning your account, transaction, and circumstances surrounding loss. You will notify law enforcement authorities any criminal act related to claim lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period time to investigate facts and circumstances surrounding any claim loss. Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss prits or opportunity, or for attorneys fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or orwise reimburse you for your loss. You will pursue your rights or, at our option, assign m to us so that we may pursue m. Our liability will be reduced by amount you recover or are entitled to recover from se or sources. ADDRESS OR NAME CHANGES - You are responsible for notifying us any change in your address or your name. Unless we agree orwise, change address or name must be made in writing by at least one account holders. Informing us your address or name change on a check reorder form is not sufficient. We will attempt to communicate with you only by use most recent address you have provided to us. If provided elsewhere, we may impose a service fee if we attempt to locate you. RESOLVING ACCOUNT DISPUTES - We may place an administrative hold on funds in your account (refuse payment or withdrawal funds) if it becomes subject to a claim adverse to (1) your own interest; (2) by ors claiming an interest as survivors or beneficiaries your account; or (3) a claim arising by operation law. The hold may be placed for such period time as we believe reasonably necessary to allow a legal proceeding to determine merits claim or until we receive evidence satisfactory to us that dispute has been resolved. We will not be liable for any items that are dishonored as a consequence placing a hold on funds in your account for se reasons. INTEREST CHECKING AND NON-INTEREST CHECKING ACCOUNTS WITH SUBACCOUNTS - For regulatory accounting purposes, your account is divided into two subaccounts: a checking subaccount and a money market subaccount. These subaccounts are treated as a single account for purposes interest payments, if applicable, minimum balance requirements, fees and charges and your account access. Your account statement and or records your account activity (e.g. ATM receipts) will reflect this account as a single account and will not reflect subaccounts or transfers between subaccounts in any way. Both subaccounts pay an identical interest rate and annual percentage yield on account balances. Although you will have no direct access to money market subaccount, you may access this subaccount only indirectly through transactions on your checking subaccounts, as described below. At various times during each statement cycle or calendar month, if your checking subaccount balance exceeds a threshold amount, we may transfer all funds in excess that amount into money market subaccount. As transactions posted against checking subaccount reduce checking subaccount below a predetermined level, we will transfer funds back into checking subaccount from money market subaccount. We may make up to six transfers from money market subaccount into checking subaccount per statement cycle or calendar month. Upon sixth such transfer in a month, we will transfer entire balance money market subaccount to checking subaccount. We may repeat this process each statement cycle or calendar month. We set balance threshold and may change it at any time at our discretion. The transfers between subaccounts will occur only on our books and will not affect balance, interest, fees, or features your account. Or than as described above, Deposit Account Agreement controls your account as if re were nosubaccounts. REMOTELY CREATED CHECKS - Like any standard check or draft, a remotely created check (sometimes called a telecheck, preauthorized draft or demand draft) is a check or draft that can be used to withdraw money from an account. Unlike a typical check or draft, however, a remotely created check is not issued by paying bank and does not contain signature account owner (or a signature purported to be signature account owner). In place a signature, check usually has a statement that owner authorized check or has owner s name typed or printed on signature line. For example, if a person provides an account number in response to a telephone solicitation, telephone solicitor can use account number to issue a remotely created check to withdraw money from that account. You warrant and agree to following for every remotely created check we receive from you for deposit or collection: (1) you have received express and verifiable authorization to create check in amount and to payee that appears on check; (2) you will maintain pro authorization for at least 2 years from date authorization, and supply us pro if we ask; and (3) if a check is returned you owe us amount check, regardless when check is returned. We may take funds from your account to pay amount you owe us, and if re are insufficient funds in your account, you still owe us remaining balance. ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types Electronic Fund Transfers we are capable handling, some which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for transactions listed. Please also see Limitations on frequency transfers section regarding additional limitations that may apply to transactions as described below. You should keep this notice for future reference. Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and third party s account. These transfers to make or receive payment may be onetime occurrences or may recur as directed by you. These transfers may use Automated Clearing House (ACH) or or payments network. Your authorization to third party to make se transfers can occur in a number ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with transaction (typically, at point purchase, a merchant will post a sign and print notice on a receipt). In all cases, se third party transfers will require you to provide third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (wher over phone, Internet, or via some or method) to trusted third parties whom you have authorized to initiate se electronic fund transfers. Examples se transfers include, but are not limited to: Preauthorized credits (single or recurring). You may make arrangements for certain direct deposits to be accepted into your checking, savings or money market account(s). Preauthorized payments (single or recurring). You may make arrangements to pay certain recurring bills from your checking, statement savings or money market account(s). Electronic check conversion. You may authorize a merchant or or payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. Electronic returned check charge. You may authorize a merchant or or payee to initiate an electronic funds transfer to collect a charge in event a check is returned for insufficient funds. Telephone Banking Services You may access your account(s) by telephone using your personal identification number, a touch tone phone, and your account numbers to: - Obtain balance and transaction information on your deposit and loan account(s). - Transfer funds between accounts, including certain loan accounts (you may not transfer out any passbook savings, certificate deposit (CD) or loan accounts). Internet and Mobile Banking Services You may access your account(s) by our Internet and/or Mobile Banking Product using your computer or mobile device, user identification number and password to: - Obtain balance and transaction information on your deposit and loan account(s). - Transfer funds between accounts, including certain loan payments (you may not transfer out any passbook savings, certificate deposit (CD) or loan accounts). - Initiate payments to third parties from your account using our Cape Cod Five BillPay Service. - Transfer funds from your deposit accounts to accounts you have at anor financial institution. - Deposit checks remotely using mobile deposit service available through Mobile Banking (refer to separate mobile deposit agreement for additional information). We reserve right to disable internet and/or mobile device access to your banking account(s) if you have not logged in for a period 6 months. Should your account be disabled and you require access, please contact us by phone at so that we may assist you with reactivation. If you have not logged in for a period 13 months, we reserve right to delete your access. Should your account be deleted, you can re-enroll by visiting us at ATM Card and Visa Check Card Services ATM (Cash) Transactions: You may access your, Statement Savings or Money Market account(s) linked to your ATM or Visa Check Card by entering your Personal Identification Number (PIN) to: - Make deposits (only available through a Cape Cod Five ATM). - Withdraw cash. - Transfer funds (between accounts linked to your card). - Obtain Account balance(s). Some se services may not be available at all terminals. POS (Purchase) Transactions: Visa Check Card: Using your Visa Check Card you may access your account to purchase goods, pay for services (in person, by phone, fax, mail or internet) or get cash from a merchant, if merchant permits, or from a participating financial institution. You may use your Visa Check Card anywhere Visa Debit Cards are accepted. Non-Visa Debit Transaction Processing - We have enabled non-visa debit transaction processing. This means you may use your Visa Check Card on a PIN Debit Network* (a non-visa network) without using a PIN. The non-visa debit network(s) for which such transactions are enabled are: NYCE Network. Examples types actions that you may be required to make to initiate a Visa transaction on your Visa Check Card include signing a receipt, providing a card number over phone or via Internet, or swiping card through a point-sale terminal. Examples types actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with biller (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead through use a PIN. The provisions your agreement with us relating only to Visa transactions are not applicable to non- Visa transactions. For example, additional limits on liability (sometimes referred to as Visa s zero-liability program) and streamlined error resolution procedures fered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. *Visa Rules generally define PIN-Debit Network as a non-visa debit network that typically aunticates transactions by use a personal identification number (PIN) but that is not generally known for having a card program. Standard Daily Transaction Limits ATM Card: You generally may make up to 10 transactions per day, and may withdraw up to $ in cash (inclusive fees and surcharges) per day. Visa Check Card: You generally may make up to 25 transactions per day, and may withdraw up to $ in cash (inclusive fees and surcharges) and purchase up to $1, in goods or services per day. You have option to limit your withdrawals and purchases to $50.00 per day, provided you ask us to do so. VISA Currency Conversion and International Transactions. When you use your Check Card at a merchant or terminal that settles in currency or than US dollars, charge will be converted into US dollar amount. The currency conversion rate used to determine transaction amount in US dollars is eir a rate selected by Visa from range rates available in wholesale currency markets for applicable central processing date, which rate may vary from rate Visa itself receives, or government-mandated rate in effect for applicable central processing date. The conversion rate in effect on processing date may differ from rate in effect on transaction date or posting date. Visa USA charges us a.8% International Service Assessment on all international transactions, regardless wher re is a currency conversion. If re is a currency conversion, International Service Assessment is 1% transaction. In eir case, we pass this international transaction fee on to you. An international transaction is a transaction where country merchant is outside USA. MasterCard/Cirrus Currency Conversion and Cross-Border Transaction Fees. If you effect a transaction at a Cirrus terminal using your Check Card or ATM card and that transaction is in a currency or than US Dollars, MasterCard will convert charge into a US Dollar amount. The MasterCard currency conversion procedure includes use eir a government-mandated exchange rate, or a wholesale rate selected by MasterCard. The exchange rate MasterCard uses will be a rate in effect on day transaction is processed. This rate may differ from rate in effect on date purchase or date transaction was posted to your account. MasterCard charges us a Currency Conversion Assessment 20 basis points (.2% transaction) for performing currency conversion. In addition, MasterCard charges us an Issuer Cross-Border Assessment 90 basis points (.9% transaction) on all cross-border transactions regardless wher re is a currency conversion. As a result, we charge you a Currency Conversion fee.2% and a Cross-Border Transaction fee.9%. The Cross-Border Transaction fee is charged on all cross-border transactions regardless wher re is a currency conversion. A crossborder transaction is a transaction processed through Global Clearing Management System or MasterCard Debit Switch in which country merchant is different than country cardholder. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or or illegal purpose. Display a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which cardholder may be located. Limitations on frequency transfers. In addition to those limitations on transfers elsewhere described, if any, following limitations apply: Transfers from a savings or money market account to anor account or to third parties by preauthorized, automatic, electronic, or telephone transfer or by check, draft, or similar order to third parties are limited to six per month. Termination - You may terminate electronic fund transfer agreement by notifying third party and Bank in writing. We may terminate electronic fund transfer agreement by written notice to you. Minimum account balance - We do not require you to maintain a minimum balance in any account as a condition using an access device (card or code) to accomplish a transfer. FEES Please refer to our Fee Schedule. Fees are subject to change. Transactions may be subject to overdraft fees. There may be fees associated with performing certain transactions (for example you may be charged a fee for a balance inquiry even if you do not complete a fund transfer) at ATMs or POS terminals not owned or operated by Bank. These or fees are not assessed by us and will not be waived. A fee may be charged to replace a lost card. DOCUMENTATION Terminal transfers. You can get a receipt at time you make a transfer to or from your account using an automated teller machine or point--sale terminal. However, you may not get a receipt if amount transfer is $15 or less. Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from same person or company, you can call us at to find out wher or not deposit has been made. Periodic statements. You will get a monthly account statement from us for your checking, statement savings, and money market accounts. You will receive a monthly statement whenever your consumer passbook account receives an electronic deposit. You may bring your passbook to us and we will record any electronic deposits that were made since last time you brought in your Terms and Conditions Your Account

20 35 Important Documents and Disclosures passbook. PREAUTHORIZED PAYMENTS Right to stop payment and procedure for doing so. If you have made arrangements in advance to make regular payments out your checking, statement savings or money market account(s), you may stop any se payments. Here is how: Call or write us (within time frames defined below) at telephone number or address listed in this brochure. If you call we may require you to put your request in writing and get it to us within 14 days after you call. For fees associated with Stop Payment Orders, please refer to our Fee Schedule. Fees are subject to change. Time Frames. Preauthorized Payment (Recurring): We must receive your request to stop payment three (3) business days or more before payment schedule date. Preauthorized Payment (Single Occurrence) and Electronic Check Conversion. We must receive your request to stop payment in such a time or manner that allows us a reasonable opportunity to act on stop payment order prior to acting on payment entry. Notice varying amounts. If se regular payments may vary in amount, person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may 14 choose instead to get this notice only when payment would differ by more than a certain amount from previous payment, or when amount would fall outside certain limits that you set.) Liability for failure to stop payment preauthorized transfer. If you order us to stop payment on one se payments within time frames specified above, and we do not do so, we will be liable for your losses or damages. ADDITIONAL INFORMATION REQUIRED BY MASSACHUSETTS LAW (1) Any documentation provided to you which indicates that an electronic fund transfer was made to anor person shall be admissible as evidence transfer and shall constitute prima-facie pro that transfer was made. (2) The initiation by you certain electronic fund transfers from your account will, except as orwise provided in agreement, effectively eliminate your ability to stop payment transfer. Unless orwise provided in this agreement, you ( consumer) may not stop payment electronic fund transfers, refore you should not employ electronic access for purchases or services unless you are satisfied that you will not need to stop payment. FINANCIAL INSTITUTION S LIABILITY If we do not complete a transfer to or from your account on time or in correct amount according to our agreement with you, we will be liable for your losses or damages. However, re are some exceptions. We will not be liable, for instance: (1) If, through no fault ours, you do not have enough money in your account to make transfer. (2) If you have an overdraft line and transfer would go over credit limit. (3) If automated teller machine where you are making transfer does not have enough cash. (4) If terminal or system was not working properly and you knew about breakdown when you started transfer. (5) If circumstances beyond our control (such as fire or flood) prevent transfer, despite reasonable precautions that we have taken. (6) If funds are subject to legal process or or encumbrance restricting such transfer. (7) If we have reason to believe that you or someone else is attempting to make a transfer for a fraudulent or illegal purpose. (8) There may be or exceptions stated in our agreement with you. CONFIDENTIALITY In order that your privacy may be protected, we will not disclose any information about you or your account to any person, organization, or agency except: (1) for certain routine disclosures necessary for completion a transfer; or (2) for verification existence and condition your account for a credit bureau or merchant; or (3) to persons authorized by law in course ir ficial duties; or (4) to our employees, auditors, service providers, attorneys or collection agents in course ir duties; or (5) pursuant to a court order or lawful subpoena; or (6) to a consumer reporting agency as defined in Chapter 93 Massachusetts General Laws; or (7) by your written authorization which shall automatically expire 45 days after our receipt your authorization. If an unauthorized disclosure has been made, we must inform you particulars disclosure within 3 days after we have discovered that an unauthorized disclosure has occurred. UNAUTHORIZED TRANSFERS (a) Consumer liability. Generally. Tell us AT ONCE if you think your card and/or code has been lost, stolen, used without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is best way minimizing your possible losses. You can lose no more than $50 if you fail to give us notice your lost or stolen card and/or code and your card and/or code is used without your permission. Also, if your statement shows transfers you did not make, including those made by card, code or or means, tell us at once. If you do not tell us within 60 days after statement was mailed to you, you may not get back any money you lost after 60 days if we can prove that we could have stopped someone from taking money if you had told us in time. Additional Limit on Liability for Check Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Check Card. This additional limit on liability does not apply to ATM transactions outside U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your Personal Identification Number which are not processed by VISA. Visa is a registered trademark Visa International Service Association. (b) Contact in event unauthorized transfer. Tell us AT ONCE, if you think your card and/or code has been lost, stolen or that someone has transferred or may transfer money from your account without your permission, for example, by using information from your check, call or write us at telephone number or address listed in this brochure. (c) If you reveal your PIN to anor person, that person can transact any business with your account that you could by using access devices PIN/CODE or card supports. PROTECTED CONSUMER USE Chapter 167B Massachusetts General Laws was enacted to provide a means for financial institutions, businesses, and consumers to conduct ir business relations more conveniently. Transferring funds electronically will supplement use checks, credit, and cash and will not replace se present methods doing business. As a consumer, you should be aware your rights if you choose to utilize this system. (1) Prohibition compulsory use. No person may: -require you to use a preauthorized electronic fund transfer as a condition extension credit unless credit is being extended in connection with an overdraft checking plan, or is being extended to maintain a specified balance in your account, or -require you eir to accept a transfer service or to establish an account which is accessed electronically as conditions employment or receipt governmental benefit, or -require you to pay electronically for purchase goods or services. If your account is to be credited by a preauthorized transfer you may choose financial institution to which transfer may be made, if institution is technically capable receiving such preauthorized transfer. (2) Waiver rights. No writing or agreement signed by you can waive rights conferred to you by Chapter 167B Massachusetts General Laws unless you decide to waive se rights in settlement a dispute or action. (3) Refunds. If it is policy a store or retail business to give cash refunds in return for an item purchased by cash, n this policy must also cover refunds for items purchased by electronic fund transfer unless it is clearly disclosed at time transaction is consummated that no cash or credit refunds are given for payments made by electronic fund transfers. (4) Suspension obligations. If a person agrees to accept payment by means an electronic fund transfer and system malfunctions preventing such a transfer, n consumer s obligation is suspended until transfer can be completed, unless that person, in writing, demands payment by or means. (5) Prohibited means identification. Your Social Security number cannot be used as primary identification number although it can be used as secondary aid to identify you. (6) Criminal liability. Procuring or using a card, code or or means electronic access to an account with intent to defraud is a basis for criminal liability. ERROR RESOLUTION NOTICE In Case Errors or Questions About Your Electronic Transfers, Call or Write us at telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on statement or receipt. We must hear from you no later than 60 days after we sent FIRST statement on which problem or error appeared. (1) Tell us your name and account number (if any). (2) Describe 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 dollar amount suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine wher an error occurred within 10 business days (5 business days for Check Card point--sale transactions processed by Visa and 20 business days if transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if transfer involved a new account, a point--sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Check Card point--sale transactions processed by Visa and 20 business days if transfer involved a new account) for amount you think is in error, so that you will have use money during 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 within 10 business days, we may not credit your account. Your account is considered a new account for first 30 days after first deposit is made, unless each you already has an established account with us before this account is opened. We will tell you results within three business days after completing our investigation. If we decide that re was no error, we will send you a written explanation. You may ask for copies documents that we used in our investigation. THE CAPE COD FIVE CENTS SAVINGS BANK CUSTOMER SERVICE CENTER PO BOX 10, ORLEANS, MASSACHUSETTS Business Days: Monday through Friday Excluding Federal Holidays Phone: MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST FUNDS AVAILABILITY POLICY YOUR ABILITY TO WITHDRAW FUNDS Our policy is to make funds from your check deposits available to you on first business day after day we receive your deposit. Funds from deposits cash, wire transfers, and electronic direct deposits will be immediately available at time deposit. Once funds are available, you can withdraw m in cash and we will use funds to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn funds, you are still responsible for checks you deposit that are returned to us unpaid and for any or problems involving your deposit. For determining availability your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be day your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that deposit was made on next business day we are open. If you make a deposit at an ATM before 3:30 P.M. on a business day that we are open, we will consider that day to be day your deposit. However, if you make a deposit at an ATM after 3:30 P.M. or on a day we are not open, we will consider that deposit was made on next business day we are open. If we cash a check for you that is drawn on anor bank, we may withhold availability a corresponding amount funds that are already in your account. Those funds will be available at time funds from check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on anor bank, we may make funds from deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount funds that you have on deposit in anor account with us. The funds in or account would n not be available for withdrawal until time periods that are described elsewhere in this disclosure for type check that you deposited. LONGER DELAYS MAY APPLY ( Extended Delay ) Funds you deposit by check may be delayed for a longer period under following circumstances: We believe a check you deposit will not be paid. You deposit checks totaling more than $5,000 on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your account repeatedly in last six months. There is an emergency, such as failure computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any se reasons, and we will tell you when funds will be available. They will generally be available no later than fifth business day after day your deposit. If you do not receive notification at time you made deposit and check is paid; we will refund fees for overdrafts or returned checks that result solely from additional delay that we imposed. To obtain a refund such fees, please contact a Financial Services Representative at any Cape Cod Five branch. Special Rules for New Accounts If you are a new customer, following special rules may apply during first 30 days your account is open. Funds from cash, wire transfers, and electronic direct deposits to your account will be available on day we receive deposit. The first $5,000 a day s total deposits cashier s, certified, teller s, traveler s, and federal, state and local government checks will be available on first business day after day your deposit if deposit meets certain conditions. For example, checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available no later than fifth business day after day your deposit. Funds from checks drawn on Cape Cod Five Cents Savings Bank will be available no later than first business day after day your deposit. Funds from all or check deposits will be available no later than fifth business day after day your deposit. DEPOSITS AT AUTOMATED TELLER MACHINES Funds from any cash deposits made at automated teller machines (ATMs) we own or operate will be available immediately. Funds from any check deposits made at ATMs we own or operate will not be available until first business day after day your deposit. Checks may be made available in accordance with Longer Delays May Apply and Special Rules for New Accounts sections. All ATMs that we own or operate are identified as our machines. SPECIAL RULES FOR ACCOUNTS OPENED ONLINE For accounts opened online, funds from electronic transfers used for specific purpose opening account will be available four (4) business days after date your online account was credited. SUBSTITUTE CHECKS AND YOUR RIGHTS What is a substitute check? To make check processing faster, federal law permits banks to replace original checks with substitute checks. These checks are similar in size to original checks with a slightly reduced image front and back original check. The front a substitute check states: This is a legal copy your check. You can use it same way you would use original check. You may use a substitute check as pro payment just like original check. Some or all checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under or law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew wrong amount from your account or that we withdrew money from your account more than once for same check). The losses you may attempt to recover under this procedure may include amount that was withdrawn from your account and fees that were charged as a result withdrawal (for example, bounced check fees). The amount your refund under this procedure is limited to amount your loss or amount substitute check, whichever is less. You also are entitled to interest on amount your refund if your account is an interest-bearing account. If your loss exceeds amount substitute check, you may be able to recover additional amounts under or law. If you use this procedure, you may receive up to $2,500 your refund (plus interest if your account earns interest) within 10 business days after we received your claim and remainder your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse refund (including any interest on refund) if we later are able to demonstrate that substitute check was correctly posted to your account. How do I make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: The Cape Cod Five Cents Savings Bank PO Box 10 Orleans, MA You must contact us within 40 calendar days date that we mailed (or orwise delivered by a means to which you agreed) substitute check in question or account statement showing that substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because extraordinary circumstances. Your claim must include A description why you have suffered a loss (for example, you think amount withdrawn was incorrect); An estimate amount your loss; An explanation why substitute check you received is insufficient to confirm that you suffered a loss; and A copy substitute check or following information to help us identify substitute check: check number, amount check, and name person to whom you wrote check. 1988, 1995 Wolters Kluwer Financial Services Bankers Systems Form AIB Terms and Conditions Your Account passbook. PREAUTHORIZED PAYMENTS Right to stop payment and procedure for doing so. If you have made arrangements in advance to make regular payments out your checking, statement savings or money market account(s), you may stop any se payments. Here is how: Call or write us (within time frames defined below) at telephone number or address listed in this brochure. If you call we may require you to put your request in writing and get it to us within 14 days after you call. For fees associated with Stop Payment Orders, please refer to our Fee Schedule. Fees are subject to change. Time Frames. Preauthorized Payment (Recurring): We must receive your request to stop payment three (3) business days or more before payment schedule date. Preauthorized Payment (Single Occurrence) and Electronic Check Conversion. We must receive your request to stop payment in such a time or manner that allows us a reasonable opportunity to act on stop payment order prior to acting on payment entry. Notice varying amounts. If se regular payments may vary in amount, person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may 14 choose instead to get this notice only when payment would differ by more than a certain amount from previous payment, or when amount would fall outside certain limits that you set.) Liability for failure to stop payment preauthorized transfer. If you order us to stop payment on one se payments within time frames specified above, and we do not do so, we will be liable for your losses or damages. ADDITIONAL INFORMATION REQUIRED BY MASSACHUSETTS LAW (1) Any documentation provided to you which indicates that an electronic fund transfer was made to anor person shall be admissible as evidence transfer and shall constitute prima-facie pro that transfer was made. (2) The initiation by you certain electronic fund transfers from your account will, except as orwise provided in agreement, effectively eliminate your ability to stop payment transfer. Unless orwise provided in this agreement, you ( consumer) may not stop payment electronic fund transfers, refore you should not employ electronic access for purchases or services unless you are satisfied that you will not need to stop payment. FINANCIAL INSTITUTION S LIABILITY If we do not complete a transfer to or from your account on time or in correct amount according to our agreement with you, we will be liable for your losses or damages. However, re are some exceptions. We will not be liable, for instance: (1) If, through no fault ours, you do not have enough money in your account to make transfer. (2) If you have an overdraft line and transfer would go over credit limit. (3) If automated teller machine where you are making transfer does not have enough cash. (4) If terminal or system was not working properly and you knew about breakdown when you started transfer. (5) If circumstances beyond our control (such as fire or flood) prevent transfer, despite reasonable precautions that we have taken. (6) If funds are subject to legal process or or encumbrance restricting such transfer. (7) If we have reason to believe that you or someone else is attempting to make a transfer for a fraudulent or illegal purpose. (8) There may be or exceptions stated in our agreement with you. CONFIDENTIALITY In order that your privacy may be protected, we will not disclose any information about you or your account to any person, organization, or agency except: (1) for certain routine disclosures necessary for completion a transfer; or (2) for verification existence and condition your account for a credit bureau or merchant; or (3) to persons authorized by law in course ir ficial duties; or (4) to our employees, auditors, service providers, attorneys or collection agents in course ir duties; or (5) pursuant to a court order or lawful subpoena; or (6) to a consumer reporting agency as defined in Chapter 93 Massachusetts General Laws; or (7) by your written authorization which shall automatically expire 45 days after our receipt your authorization. If an unauthorized disclosure has been made, we must inform you particulars disclosure within 3 days after we have discovered that an unauthorized disclosure has occurred. UNAUTHORIZED TRANSFERS (a) Consumer liability. Generally. Tell us AT ONCE if you think your card and/or code has been lost, stolen, used without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is best way minimizing your possible losses. You can lose no more than $50 if you fail to give us notice your lost or stolen card and/or code and your card and/or code is used without your permission. Also, if your statement shows transfers you did not make, including those made by card, code or or means, tell us at once. If you do not tell us within 60 days after statement was mailed to you, you may not get back any money you lost after 60 days if we can prove that we could have stopped someone from taking money if you had told us in time. Additional Limit on Liability for Check Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Check Card. This additional limit on liability does not apply to ATM transactions outside U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your Personal Identification Number which are not processed by VISA. Visa is a registered trademark Visa International Service Association. (b) Contact in event unauthorized transfer. Tell us AT ONCE, if you think your card and/or code has been lost, stolen or that someone has transferred or may transfer money from your account without your permission, for example, by using information from your check, call or write us at telephone number or address listed in this brochure. (c) If you reveal your PIN to anor person, that person can transact any business with your account that you could by using access devices PIN/CODE or card supports. PROTECTED CONSUMER USE Chapter 167B Massachusetts General Laws was enacted to provide a means for financial institutions, businesses, and consumers to conduct ir business relations more conveniently. Transferring funds electronically will supplement use checks, credit, and cash and will not replace se present methods doing business. As a consumer, you should be aware your rights if you choose to utilize this system. (1) Prohibition compulsory use. No person may: -require you to use a preauthorized electronic fund transfer as a condition extension credit unless credit is being extended in connection with an overdraft checking plan, or is being extended to maintain a specified balance in your account, or -require you eir to accept a transfer service or to establish an account which is accessed electronically as conditions employment or receipt governmental benefit, or -require you to pay electronically for purchase goods or services. If your account is to be credited by a preauthorized transfer you may choose financial institution to which transfer may be made, if institution is technically capable receiving such preauthorized transfer. (2) Waiver rights. No writing or agreement signed by you can waive rights conferred to you by Chapter 167B Massachusetts General Laws unless you decide to waive se rights in settlement a dispute or action. (3) Refunds. If it is policy a store or retail business to give cash refunds in return for an item purchased by cash, n this policy must also cover refunds for items purchased by electronic fund transfer unless it is clearly disclosed at time transaction is consummated that no cash or credit refunds are given for payments made by electronic fund transfers. (4) Suspension obligations. If a person agrees to accept payment by means an electronic fund transfer and system malfunctions preventing such a transfer, n consumer s obligation is suspended until transfer can be completed, unless that person, in writing, demands payment by or means. (5) Prohibited means identification. Your Social Security number cannot be used as primary identification number although it can be used as secondary aid to identify you. (6) Criminal liability. Procuring or using a card, code or or means electronic access to an account with intent to defraud is a basis for criminal liability. ERROR RESOLUTION NOTICE In Case Errors or Questions About Your Electronic Transfers, Call or Write us at telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on statement or receipt. We must hear from you no later than 60 days after we sent FIRST statement on which problem or error appeared. (1) Tell us your name and account number (if any). (2) Describe 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 dollar amount suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine wher an error occurred within 10 business days (5 business days for Check Card point--sale transactions processed by Visa and 20 business days if transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if transfer involved a new account, a point--sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Check Card point--sale transactions processed by Visa and 20 business days if transfer involved a new account) for amount you think is in error, so that you will have use money during 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 within 10 business days, we may not credit your account. Your account is considered a new account for first 30 days after first deposit is made, unless each you already has an established account with us before this account is opened. We will tell you results within three business days after completing our investigation. If we decide that re was no error, we will send you a written explanation. You may ask for copies documents that we used in our investigation. THE CAPE COD FIVE CENTS SAVINGS BANK CUSTOMER SERVICE CENTER PO BOX 10, ORLEANS, MASSACHUSETTS Business Days: Monday through Friday Excluding Federal Holidays Phone: MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST FUNDS AVAILABILITY POLICY YOUR ABILITY TO WITHDRAW FUNDS Our policy is to make funds from your check deposits available to you on first business day after day we receive your deposit. Funds from deposits cash, wire transfers, and electronic direct deposits will be immediately available at time deposit. Once funds are available, you can withdraw m in cash and we will use funds to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn funds, you are still responsible for checks you deposit that are returned to us unpaid and for any or problems involving your deposit. For determining availability your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be day your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that deposit was made on next business day we are open. If you make a deposit at an ATM before 3:30 P.M. on a business day that we are open, we will consider that day to be day your deposit. However, if you make a deposit at an ATM after 3:30 P.M. or on a day we are not open, we will consider that deposit was made on next business day we are open. If we cash a check for you that is drawn on anor bank, we may withhold availability a corresponding amount funds that are already in your account. Those funds will be available at time funds from check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on anor bank, we may make funds from deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount funds that you have on deposit in anor account with us. The funds in or account would n not be available for withdrawal until time periods that are described elsewhere in this disclosure for type check that you deposited. LONGER DELAYS MAY APPLY ( Extended Delay ) Funds you deposit by check may be delayed for a longer period under following circumstances: We believe a check you deposit will not be paid. You deposit checks totaling more than $5,000 on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your account repeatedly in last six months. There is an emergency, such as failure computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any se reasons, and we will tell you when funds will be available. They will generally be available no later than fifth business day after day your deposit. If you do not receive notification at time you made deposit and check is paid; we will refund fees for overdrafts or returned checks that result solely from additional delay that we imposed. To obtain a refund such fees, please contact a Financial Services Representative at any Cape Cod Five branch. Special Rules for New Accounts If you are a new customer, following special rules may apply during first 30 days your account is open. Funds from cash, wire transfers, and electronic direct deposits to your account will be available on day we receive deposit. The first $5,000 a day s total deposits cashier s, certified, teller s, traveler s, and federal, state and local government checks will be available on first business day after day your deposit if deposit meets certain conditions. For example, checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available no later than fifth business day after day your deposit. Funds from checks drawn on Cape Cod Five Cents Savings Bank will be available no later than first business day after day your deposit. Funds from all or check deposits will be available no later than fifth business day after day your deposit. DEPOSITS AT AUTOMATED TELLER MACHINES Funds from any cash deposits made at automated teller machines (ATMs) we own or operate will be available immediately. Funds from any check deposits made at ATMs we own or operate will not be available until first business day after day your deposit. Checks may be made available in accordance with Longer Delays May Apply and Special Rules for New Accounts sections. All ATMs that we own or operate are identified as our machines. SPECIAL RULES FOR ACCOUNTS OPENED ONLINE For accounts opened online, funds from electronic transfers used for specific purpose opening account will be available four (4) business days after date your online account was credited. SUBSTITUTE CHECKS AND YOUR RIGHTS What is a substitute check? To make check processing faster, federal law permits banks to replace original checks with substitute checks. These checks are similar in size to original checks with a slightly reduced image front and back original check. The front a substitute check states: This is a legal copy your check. You can use it same way you would use original check. You may use a substitute check as pro payment just like original check. Some or all checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under or law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew wrong amount from your account or that we withdrew money from your account more than once for same check). The losses you may attempt to recover under this procedure may include amount that was withdrawn from your account and fees that were charged as a result withdrawal (for example, bounced check fees). The amount your refund under this procedure is limited to amount your loss or amount substitute check, whichever is less. You also are entitled to interest on amount your refund if your account is an interest-bearing account. If your loss exceeds amount substitute check, you may be able to recover additional amounts under or law. If you use this procedure, you may receive up to $2,500 your refund (plus interest if your account earns interest) within 10 business days after we received your claim and remainder your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse refund (including any interest on refund) if we later are able to demonstrate that substitute check was correctly posted to your account. How do I make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: The Cape Cod Five Cents Savings Bank PO Box 10 Orleans, MA You must contact us within 40 calendar days date that we mailed (or orwise delivered by a means to which you agreed) substitute check in question or account statement showing that substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because extraordinary circumstances. Your claim must include A description why you have suffered a loss (for example, you think amount withdrawn was incorrect); An estimate amount your loss; An explanation why substitute check you received is insufficient to confirm that you suffered a loss; and A copy substitute check or following information to help us identify substitute check: check number, amount check, and name person to whom you wrote check. 1988, 1995 Wolters Kluwer Financial Services Bankers Systems Form AIB Terms and Conditions Your Account

21 Please use this helpful guide to learn more about transition to your new Cape Cod Five accounts. Branches Brewster Centerville Chatham Dennis East Harwich Eastham Falmouth Harwich Port Hyannis Mashpee Martha s Vineyard - Spring 2016 Nantucket Main Street Nantucket Mid-Island Orleans Sandwich Wareham Wellfleet Yarmouth Lending & Wealth Management Offices Plymouth - The Pinehills Marion Martha s Vineyard Provincetown Wealth Management Office Trust & Asset Management Orleans Contact Information Customer Service Center: Satellite ATM Locations Barnstable Village North Falmouth Yarmouthport Steamship Authority Terminals (Hyannis, Nantucket, Woods Hole)