NORTHEAST COMMUNITY PIN. See Shared Networks below. CONSUMER ONLINE (INTERNET) The term does not include payments BANKING SERVICES TERMS AND Bank means NorthEast Community Bank made by checks, draft or similar paper CONDITIONS DISCLOSURE instrument or wire transfers made at an Business Days for purposes of these electronic terminal or elsewhere. Consumer Online (Internet) Banking is disclosures, our business days are Monday free for all NorthEast Community Bank through Friday. Federal holidays are not Electronic Bill Payment Service offers the customers. Once logged in, you will have included. convenience of electronic bill payment the ability to review account activity, directly from your NorthEast Community transfer funds, schedule balance Cardholder means each person who has Bank checking account through the Bank's notifications and much more. been given a Card by the Bank and who Service. has a right to make balance inquiries, CHECKFREE BILL PAY SERVICES (PAYMENT deposits to or withdrawals from an Electronic Messages means the receipt of MANAGER) account. It also includes each person any communications regarding your whom the cardholder permits to use the account electronically within the CheckFree is a separate component of Card for such purposes. NorthEast Community online banking site. Internet banking and is also free for all NorthEast Community Bank customers. Card means an ATM/VISA Check Card Personal Identification Number (PIN) for You can register for Checkfree bill pay showing a PAN number of the owner of an electronic terminals and related locations services by going online and clicking the account at the Bank, which can be used at means a personal identification number "Payment Manager" button. Once an electronic banking facility. which is known only to the Cardholder registered, you can pay bills, schedule and must be used along with the Card to automatic payments and register for Electronic Check Conversion means a perform transactions at an electronic ebills. process where your check is used as a Banking facility. source of information - for the check MX MONEY MANAGEMENT number, your account number and the Point-of-Sale (POS) means any location at number that identifies your bank. The or near a cash register where your Card Money Management is an additional information is then used to make a one- and PIN can be used to pay for purchases component to NorthEast Community time electronic payment from your directly from your account(s). A POS for Bank's internet banking service and is also account - an electronic fund transfer. The with your Card at a merchant location free to all the Bank's customers. Money check itself is not the method of payment. participating in a shared network. The Management provides you with a amount of the purchase is debited (up to complete financial picture. Monitor your Electronic Terminal means an electronic the available/maximum limit) from your cash flow and set personal budgets, all in device, other than a telephone, through account(s). one place. which you may initiate an electronic fund transfer. The term includes, but is not Shared Network means any network the ELECTRONIC FUND TRANSFERS limited to: Bank currently belongs to or joins in the Point-of-Sale Terminals future. Our bank belongs to the following This section addresses the terms and ATMs shared networks: ALLPOINT, NYCE®, conditions which will apply when you use Cash Dispensing Machines PLUS®, CIRRUS®, MAESTRO®, QUEST®, the Bank's Electronic Fund Transfer (EFT) Internet banking DISCOVER®, VISA® and services. Please read this disclosure AMERICAN EXPRESS® Networks. carefully as it explains your liability and Electronic Fund Transfer means any responsibilities in using these services. transfer of funds that is initiated through You and Your means NorthEast an electronic terminal, telephone, Community Bank, including the NorthEast DEFINITIONS computer or magnetic tape for the Community bank online banking, purpose of ordering, instructing or customer. Account means your (s) at authorizing the Bank to debit or credit NorthEast Community Bank. For your account. The term includes, but is Online Banking Service means a service transactions using the Bank's telephone or not limited to: that through a personal computer enables online banking services, the term includes you to perform banking transactions over your: Preauthorized Electronic Fund Transfers, the Internet. such as of Social Security Checking accounts payments, payroll payments, U.S. NorthEast Community Bank, we, us, and Statement Savings accounts Treasury checks to your accounts, interest our mean NorthEast Community Bank. Certificates of Deposit or dividend payments, automatic Money Market accounts withdrawals that recur at substantially TRANSACTIONS TYPES accounts regular intervals from your accounts, Point-of-Sale transfers (POS), Card Services ATM means an Automated Teller transfers You may use your ATM/VISA Check Card Machine. You can access your account (ATM), electronic check conversions, to: and perform banking transactions at an transfers, and online Withdraw cash from your accounts, ATM using your ATM/VISA Check Card and banking transfers. NORTHEAST COMMUNITY BANK CONSUMER ONLINE BANKING TERMS AND CONDITIONS 5.15.2020 Obtain balance information about your Online Banking services, the term includes payments, payroll payments, U.S. accounts, your: Treasury checks to your accounts, interest Pay for purchases at places that have •Checking accounts or dividend payments, agreed to accept the Card. •Statement Savings accounts •Automatic withdrawals that recur at •Certificates of Deposit substantially regular intervals from your You may not use your ATM/VISA Check Money Market accounts accounts, Card to perform any transaction that is •Loan accounts •Point-of-Sale transfers (POS), deemed illegal. Any violation of this policy •Automated Teller Machine will result in termination of the cardholder Passbook accounts: (The only electronic transfers(ATM), Electronic check agreement. fund transfers allowed are preauthorized conversions, Telephone banking transfers, credits. If you bring your passbook to us, Online banking transfers. Telephone Banking Services we will record any electronic deposits that •Electronic Bill Payment Service offers the You may use Telephone Banking to: were made to your account since the last convenience of electronic bill payment time you brought in your passbook.) ATM directly from your NorthEast Community Check your balance means an Automated Teller Machine. You Bank checking account through the Bank’s Transfer funds can access your account and perform online banking service. Change your telephone banking PIN banking transactions at an ATM using your Check on Electronic Funds Transfers & ATM/VISA® and PIN. See The term does not include payments ATM and Point of Sale transactions Shared Networks below. made by check, draft or similar paper Bank means NorthEast Community Bank. instrument, or wire transfers made at an Online Banking Services Business Days, for purposes of these electronic terminal or elsewhere. You may use online banking to: disclosures, our business days are Monday Electronic Messages means the receipt of through Friday. Federal holidays are not any communications regarding your Access account balances in your NorthEast included. account electronically within the Community Bank accounts, Cardholder means each person who has NorthEast Community online banking site. View transaction activity and download been given a Card by the Bank, and who Personal Identification Number (PIN) for this activity for use in other software, has a right to make balance inquiries, electronic terminals and related locations Transfer funds between your NorthEast deposits to or withdrawals from, an means a personal identification number Community Bank accounts, account. It also includes each person which is known only to the Cardholder Pay immediately or set up future one-time whom the cardholder permits to use the and must be used along with the Card to or recurring bill payments to any vendor Card for such purposes. perform transactions at an electronic either on a list of predefined payees or Card means an ATM or ATM/ VISA® Debit Banking facility. designated by you. Card showing a PAN number of the owner Point-of-Sale (POS) means any location at Access Checkfree of an account at the Bank, which can be or near a cash register where your Card Access Money Management used at an electronic banking facility. and PIN can be used to pay for purchases Electronic Check Conversion means a directly from your account(s). A POS process where your check is used as a transaction means a purchase paid for ELECTRONIC FUNDS TRANSFER source of information – for the check with your Card at a merchant location DISCLOSURE number, your account number and the participating in a shared network. The number that identifies your bank. The amount of the purchase is debited (up to The purpose of this Disclosure Statement information is then used to make a one- the available/maximum limit) from your is to make you aware of your rights and time electronic payment from your primary linked checking account. responsibilities when using our Electronic account – an electronic fund transfer. The Shared Network means any network the Funds Transfer Services. (Non-Personal check itself is not the method of payment. Bank currently belongs to or joins in the accounts may not be eligible for certain Electronic Terminal means an electronic future. Our bank belongs to the following remedies provided in the Electronic Funds device, other than a telephone, through shared networks: ALLPOINT, NYCE®, Transfer Disclosure- please refer to the which you may initiate an electronic fund PLUS®, CIRRUS®, MAESTRO®, QUEST®, Terms and Conditions of Your Non- transfer. The term includes, but is not DISCOVER®, VISA®, AMERICAN EXPRESS® Personal Account for detailed limited to: and THE EXCHANGE Networks. information.) • Point-of-Sale Terminals You and Your means NorthEast • ATMs Community Bank customer(s), including ELECTRONIC FUND TRANSFERS • Cash Dispensing Machines Online Banking customers and/or access DISCLOSURE • Internet banking devices issued by NorthEast Community This section addresses the terms and Electronic Fund Transfer means any Bank. conditions which will apply when you use transfer of funds that is initiated through Online Banking Service means a service the Bank’s Electronic Fund Transfer (EFT) an electronic terminal, telephone, that through a personal computer enables services. Please read this disclosure computer or magnetic tape for the you to perform banking transactions over carefully as it explains your liability and purpose of ordering, instructing or the Internet. responsibilities in using these services. authorizing the Bank to debit or credit NorthEast Community Bank, we, us, and Account means your deposit account(s) at your account. The term includes, but is our mean NorthEast Community Bank. NorthEast Community Bank. For not limited to: transactions using the Bank’s telephone or •Preauthorized Electronic Fund Transfers, TRANSACTION TYPES - You may use your such as direct deposit of Social Security ATM or ATM/VISA® Debit Card to: NORTHEAST COMMUNITY BANK CONSUMER ONLINE BANKING TERMS AND CONDITIONS 5/15/2020 •Withdraw cash from the accounts that initiate the transfer. A payment made by a are linked to your card bill payer under a bill payment service Types of Transfers and Limitations - •Obtain balance information about the available to a consumer via computer or Accounts that may be accessed. You may accounts that are linked to your card other electronic means. use your card/code to: •Pay for purchases at places that have 1.Withdraw cash from your Statement agreed to accept the card Consumer Liability - Tell us AT ONCE if Savings, Checking or Money Market •Make deposits to the accounts that are you believe your card/code has been lost Account if they are linked to your card linked to your card at most Northeast or stolen or if you believe that an 2.Make deposits to your Statement Community Bank owned ATM machines electronic funds transfer has been made Savings, Checking or Money Market •Transfer funds between accounts that without your permission using Account if they are linked to your card (at are linked to your card information from your check or access NorthEast Community Bank owned ATM •Pay bills directly by telephone from device. Telephoning is the best way of machines only) accounts that are linked to your card in keeping your possible losses down. You 3.Make payments from your Checking the amounts and on the days, you request could lose all the money in your account Account •Some of these services may not be plus your maximum overdraft line of 4.Transfer funds between your Statement available at all terminals credit (if applicable). If you believe your Savings, Checking or Money Market card/code has been lost or stolen, and you Accounts You may not use your ATM/ VISA® Debit tell us within two business days after you 5.Pay for purchases at places that have Card to perform any transaction that is learn of the loss or theft, you can lose no agreed to accept the card and code deemed illegal. Any violation of this policy more than $50.00 if someone used your 6.Pay bills directly by telephone from your will result in termination of the cardholder card/code without your permission. checking account in the amount and on the agreement. If you do NOT tell us within two business days that you request Telephone Banking Services: days after you learn of the loss or theft of 7.Some of these services may not be You may use Telephone Banking to: your card/code and we can prove we available at all terminals •Check your balance could have stopped someone from using Limitations on dollar amounts of transfers •Transfer funds your card/code without your permission if or withdrawals. You may use an ATM to •Change your telephone banking PIN you had told us, you could lose as much as withdraw up to $1,000.00 each business •Check on Electronic Funds Transfers $500.00. day. You may transact up to $2,500.00 in &ATM and Point of Sale transactions Also, if your statement shows transfers Point of Sale (POS) purchases per business that you did not make, including those day. Federal law requires us to reserve the Online Banking Services: made by card/code or other means, tell us right to require seven (7) days’ notice on You may use online banking to: at once. If you do not tell us within 60 withdrawals. •Access account balances in your days after the statement was mailed to NorthEast Community Bank accounts you, you may not get back any money you •View transaction activity and download lost after the 60 days if we can prove that this activity for use in other software we could have stopped someone from •Transfer funds between your Northeast taking the money if you had told us in Community Bank accounts time. If a good reason, such as a long trip •Pay immediately or set up future one- or a hospital stay, kept you from telling us, time or recurring bill payments to any we will extend the time periods. vendor either on a list of predefined How to Notify Us - If you believe your payees or designated by you card/code has been lost or stolen or that •Access Checkfree Bill Pay someone has transferred or may transfer money from your account without your Services Offered - If you specifically permission, you should call 1-866-287- authorize us to electronically accept 7500 to speak with bank representative deposits or honor withdrawals, we will during normal business hours, or write to: provide such services. NorthEast Community Bank Electronic Deposits - You can arrange to have certain Banking Department recurring payments automatically 325 Hamilton Avenue deposited to your account. Examples of White Plains, NY 10601-1715 this service include the direct deposit of You may report your card lost or stolen 24 Charges for Transfers - NorthEast Social Security payments, other hours a day / 7 day a week by calling 1- Community Bank does not charge for government payments and direct deposit 800-528-2273. these services. of your wages or salary. You should also call us at 1-866-287-7500 Withdrawals - You can arrange to have or write to the address listed above if you Documentation of Transfers -Terminal certain recurring withdrawals believe that a transfer has been made transfers: You can get a receipt at the automatically paid from your account. using the information from your check time you make any transfer to or from Electronic Check Conversions - A transfer without your permission. your account using one of our automated via ACH where a consumer has provided a teller machines or at a Point of Sale check and authorization to enable the Business Days - Our business days are Terminal. merchant or other payee to capture the Monday through Friday. Federal Holidays (a) Preauthorized credits: If you have routing, account and serial numbers to and weekends are not included. arranged to have direct deposits made to NORTHEAST COMMUNITY BANK CONSUMER ONLINE BANKING TERMS AND CONDITIONS 5/15/2020 your account at least once every 60 days (a) Where it is necessary for completing transactions that are called in during non- from the same person or company, you transfers, OR business hours (evenings, weekends, can call your local branch, utilize our (b) in order to verify the existence and holidays, etc.), the transactions will be telephone banking service by calling 1- condition or your account for a third posted to your account on the next 877-GO 4 NECB (1-877-464-6322), or call party, such as a credit bureau or business day. us at 1-866-287-7500 to confirm the merchant, OR If your requested transfer brings your preauthorized credit(s) have been (c) in order to comply with government account balance below any minimums received. You may also use the Bank’s agency or court orders, OR required to avoid fees or penalties, you internet banking service at (d) if you give us your written permission. will be liable for the applicable fees or www.necb.com to find out whether the ’s Liability for Failure penalties. deposit has been made. to Make Transfers - If we do not complete You are responsible for safeguarding any (b) Periodic statements: You will get a a transfer to or from your account on time password or personal identification monthly account statement from us for or in the correct amount according to our number assigned to you for use with this your checking, statement savings and agreement with you, we will be liable for service. The first time you call our money market accounts when your your losses or damages. However, there telephone banking services, your PIN will account remains active. If there are no are some exceptions. We will NOT be be the last four digits of your social transfers in a month, you will receive a liable, for instance: security number. You will be prompted to statement at least quarterly. 1.If, through no fault of ours, you do not change your PIN at that time. If you forget (c) Passbook accounts: The only electronic have enough money in your account to the new PIN, you must call your local fund transfers allowed are preauthorized make the transfer. branch for assistance. credits. If you bring your passbook to us, 2.If the transfer would go over the credit We reserve the right to discontinue our we will record any electronic deposits that limit on your overdraft line (if applicable). telephone banking service without notice. were made to your account since the last 3.If the automated teller machine where You agree not to hold us liable for any time you brought in your passbook. you are making the transfer does not have costs, expenses or damages arising from enough cash. our acting on or refusing to act on any Stop Payments and Notice of Varying 4.If the terminal or system was not such request. Amounts - Right to stop payment and working properly and you knew about the procedure for doing so: If you have told us breakdown when you started the transfer. Error Resolution Notice in advance to make regular payments out 5.If circumstances beyond our control, In case of errors or questions about your of your account, you can stop any of these such as fire or flood, prevent the transfer, electronic transfers, call 1-866-287-7500 payments. Here’s how: despite reasonable precautions that we or write us at: 1.Call us or write us in time for us to have taken. There may be other NorthEast Community Bank receive your request three business days exceptions stated in our agreement with 325 Hamilton Avenue or more before the payment is scheduled you. White Plains, NY 10601 to be made. If you call, we may also as soon as you can. If you think your require you to put your request in writing ATM Fees - When you use an ATM that is statement or receipt is wrong or if you and get it to us within 14 days after you not owned by us, you may be charged a need more information about a transfer call. We will charge you our normal fee for fee by the ATM operator or any network listed on the statement or receipt, we each stop payment order you give used (you may be charged a fee for a must hear from you no later than 60 days according to our current Schedule of balance inquiry even if you do not after we sent the FIRST statement on Charges. complete a funds transfer). which the problem or error appeared. 2.If payments were made through the Please be prepared to provide us with the Bank’s bill payment service, then requests Telephone Banking Service - NorthEast following information: to cancel these payments must be made Community Bank’s Telephone Banking Tell us your name and account number (if through the bill payment service. allows you to transfer funds between any). Notice of varying amounts: If these accounts by using a touch-tone telephone. (1) Describe the error or the transfer you regular payments may vary in amount, the Transfers and payments may be made are unsure about, and explain as clearly as person you are going to pay should tell only between linked accounts and may be you can why you believe it is an error or you, 10 days before each payment, when made by the same persons and under the why you need more information. it will be made and how much it will be. If same conditions generally applicable to (2) Tell us the dollar amount of the you wish to verify a preauthorized withdrawals made in writing. suspected error. If you tell us orally, we transfer, you may call us. If you request a telephone transfer of may require that you send us your funds between any of your linked complaint or question in writing within 10 Liability for Failure to Stop Payment - If accounts, we will be responsible to honor business days. you order us to stop one of these such requests only if there are sufficient payments three business days or more available funds in your account to cover We will determine whether an error before the transfer is scheduled, and we them. We will not be responsible to make occurred within 10 business days (5 do not do so, we will be liable for your a transfer requested against uncollected business days if involving a VISA® losses or damages. funds. transaction or we may take up to 20 Transfers between your NorthEast business days if the transfer involved a Account Information Disclosure - We will Community Bank accounts will take place new account) after we hear from you and disclose information to third parties about the same day, if they are requested during will correct any error promptly. If we need your account or the transfers you make: normal business hours. For those more time, however, we may take up to NORTHEAST COMMUNITY BANK CONSUMER ONLINE BANKING TERMS AND CONDITIONS 5/15/2020 45 days (90 days if the transfer involved a Saturday 9:00 AM - 1:00 PM be apprehensive for your safety. You new account, a point-of-sale transaction, Sunday 10:00 AM - 1:00PM might consider using another ATM or or a foreign-initiated transfer) to night deposit facility. investigate your complaint or question. If NOTICE OF ATM / NIGHT DEPOSIT 11.If you notice anything suspicious or if we decide to do this, we will credit your FACILITY USER PRECAUTIONS any other problem arises after you have account within 10 business days (5 As with all financial transactions, please begun an ATM transaction, you may want business days if involving a VISA® exercise discretion when using an to cancel the transaction, pocket your transaction or 20 business days if the automated teller machine (ATM) or night card and leave. You might consider using transfer involved a new account) for the deposit facility. For your own safety, be another ATM or coming back later. amount you think is in error, so that you careful. The following suggestions may be 12.Please be sure to close any entry door will have the use of the money during the helpful. completely upon entering and exiting the time it takes us to complete our 1.Prepare for your transactions at home ATM or night depository facility. Do not investigation. If we ask you to put your (for instance, by filling out a deposit slip) permit any unknown persons to enter the complaint or question in writing and we to minimize your time at the ATM or night facility after regular banking hours. do not receive it within 10 business days, deposit facility. 13.Don’t display your cash; place we may not credit your account. An 2.Compare your records with the account withdrawn cash securely upon your account is considered a new account for statements or account histories that you person before exiting the ATM. Count the 30 days after the first deposit is made, if receive. cash later when you are in the safety of you are a new customer. We will provide 3.Don’t lend your ATM card to anyone. your own car, home, or other secure you with a written explanation of the 4.Remember, do not leave your card at surrounding. results within three business days after the ATM. Do not leave any documents at a 14.At a drive-up facility, make sure all the completing our investigation. If we decide night deposit facility. car doors are locked and all the windows that there was no error, we will send you 5.Mark each transaction in your account are rolled up, except the driver’s window. a written explanation. You may ask for record, but not while at the ATM or night Keep the engine running and remain alert copies of the documents that we used in deposit facility. Always save your ATM to your surroundings. our investigation. receipts. Don’t leave them at the ATM or 15.We want the ATM and night deposit Notice provided to us by you in writing is night deposit facility because they may facility to be safe and convenient for you. considered given at the time you mail the contain important account information. The activity of the automated teller notice or deliver the notice for 6.If you lose your ATM card or if it is machine facility may be recorded by a transmission by any other usual means to stolen, promptly notify us. You should surveillance camera or cameras. Please us. consult the other disclosures you have tell us if you know of any problem with a Change in Terms: We may change the received about electronic fund transfers facility. For instance, let us know if a light terms of this agreement governing for additional information about what to is notworking or there is any damage to electronic fund transfers by giving you do if your cards lost or stolen. facility. Please use the nearest available written notice of the change at least 30 7.Protect the secrecy of your Personal public telephone to call the police if days prior to the effective date of the Identification Number (PIN). Protect your emergency assistance is needed. Direct change. However, if the change is made ATM card as though it were cash. Don’t complaints concerning ATM facility for security purposes we can make a tell anyone your PIN. Don’t give anyone security to us at the phone number listed change without giving you prior notice. information regarding your ATM card or in this brochure or the New York Banking NorthEast Community Bank PIN over the telephone. Never enter your Department Consumer Services Hotline 325 Hamilton Avenue, White Plains, NY PIN in any ATM that does not look at1-877-BANK NYS (1-877-226-5697) 10601 genuine, has been modified, has a Tel:1-866-287-7500 suspicious device attached, or is operating CHECKFREE PRIVACY POLICY Business Days: Monday through Friday in a suspicious manner. Don’t write your (Excluding Federal Holidays) - All locations PIN where it can be discovered. For Massachusetts example, don’t keep a note of your PIN in Privacy Policy Business Hours: your wallet or purse. Monday through Thursday 9:00 A.M. - 8.Prevent others from seeing you enter At CheckFree Services Corporation, a 4:00 P.M. your PIN by using your body to shield their subsidiary of Solutions, Inc. Friday 9:00 AM - 6:00 PM view. ("CheckFree"), we know privacy is Saturday 9:00 AM - 1:00 PM 9.Don’t accept assistance from anyone important to you. It is also vital to our New York you don’t know when using an ATM or business. This Privacy Policy describes the Business Hours: night deposit facility. 10.When you make types of "Personal Information" Monday through Thursday 9:00 AM - 4:00 a transaction, be alert to your (information that is identifiable to a PM surroundings. Look out for suspicious particular person) that we collect in Friday 9:00 AM - 6:00 PM activity near the ATM or night deposit connection with products and services Saturday hours facility, particularly if it is after sunset. At offered through the website at 1st Avenue and 23rd Street: 10:00 AM – 1: night, be sure that the facility (including www.necb.com(the "Site"), and explains 00 PM the parking area and walkways) is well how we safeguard your privacy as a user Arthur Avenue: 9:00 AM - 1:00 PM lighted. Consider having someone of those products and services. For more Spring Valley Branch, Spring Valley, NY accompany you when you use the facility, details on what your rights and obligations Business Hours: especially after sunset. Defer your are when using the products and services Monday Friday 9:00 AM - 5:00 PM transaction if circumstances cause you to offered on the Site, please refer to the NORTHEAST COMMUNITY BANK CONSUMER ONLINE BANKING TERMS AND CONDITIONS 5/15/2020 Terms & Conditions found on the Site. your IP address, browser type and products and services authorized by you language, access times and referring (such as sharing the information with an Coverage website addresses. This data does not electric company or other biller as CheckFree offers many products and identify you uniquely. However, it is used necessary to allow the biller to services, some of which are available to assist in "authenticating" who you are authenticate you, to pay a bill, and to through other organizations such as when you access the Site. send messages to you related to the , credit unions, brokerage firms, We may also receive additional authorized products and services); Internet portals, and others. This Privacy information about your visit to the Site, To send you information about additional Policy applies only to electronic billing, including the pages you view, the links you products and services that have been or electronic payment, and other products click and other actions you take in will be offered through the Site by and services offered by CheckFree connection with the Site and the products NorthEast Community Bank and others; through the Site. CheckFree products and and services offered through it. This data although you may opt out of receiving services offered through other is used to make the site design more commercial email marketing messages organizations comply with the Privacy efficient. from NorthEast Community Bank by Policies of those organizations. following the opt-out processes described Like most websites, the Site also uses in those messages; What Types of Personal Information We "cookies," which are small text files placed To perform fraud screening, to verify your Collect on your computer by the web server identity, determine your credit history, when you visit the Site. Most such cookies collect on accounts, furnish delinquent The Personal Information that CheckFree are "session" cookies that are only used account information to credit reporting collects from or about you may include: for a specific period during which you are agencies, and verify the information on the Site (such as when you are going contained in your account (such as sharing Contact Information such as name, postal through the authentication process or information with a credit reporting agency address, and e-mail address; using webchat), but a few are "persistent" during the account enrollment process); Account numbers and other information cookies that stay on your hard drive and on bills you would like to view online; are read by the web server when you Information about bank checking accounts return to the site. The Site uses cookies to To comply with laws and regulations, and accounts, if you decide to store your preferences and other including compliance with court orders or make payments from those accounts information on your computer in order to lawful instructions from a government through the Site; save you time by eliminating the need to agency, to protect the personal safety Information maintained about you by repeatedly enter the same information of subscribers or the public, to defend consumer reporting agencies, including and to display your personalized content NorthEast Community Bank from claims, credit bureaus; and on your later visits to the Site. Cookies and to protect NorthEast Community Bank Information to help verify your identity cannot and will not be used to deliver or 's rights and property, and as otherwise and authenticate your access to your run programs on your computer. Most permitted by applicable law; and information, products and services at the web browsers automatically accept As otherwise authorized by you. Site, including a password, secret question cookies, but you can modify your browser and secret answer. setting to decline cookies if you prefer. Access to Your Information However, if you choose to decline cookies, How We Collect Your Information you will not be able to sign in or use other You may review and update the Personal interactive features of the Site that Information maintained about you in the CheckFree may collect Personal depend on cookies. "My Profile" section of the Site at any Information about you from the following time to ensure that it is accurate and up- sources: How We May Use and Disclose Your to- date. Personal Information Your enrollment applications, or similar How We Keep Your Information Secure forms; NorthEast Community Bank treats your Your use of the Site and the products and Personal Information as confidential. To ensure that your Personal Information services offered through it, including data NorthEast Community Bank does not sell remains confidential, CheckFree uses transmitted to CheckFree through cell or rent your Personal Information. Secure Sockets Layer (SSL) technology to phones and other mobile devices; NorthEast Community Bank does not transmit and receive your Personal Companies that provide content, such as share your Personal Information in a Information in an encrypted form. electronic bills, to the Site, or that use manner that differs from what is CheckFree's electronic billing and/or described in this Privacy Policy without Additionally, we maintain physical, electronic payment services at their sites; your prior consent. We may use and electronic, and procedural safeguards to Consumer reporting agencies; and disclose your Personal Information for the help prevent unauthorized access to your Other sources, as allowed by law. following purposes, including limited Personal Information. We update and test disclosures to nonaffiliated third-party our technology frequently to improve Cookies and Other Related Issues service providers performing services on these protections and to ensure the our behalf, and to certain other non- integrity of your Personal Information. When you visit the Site, we receive certain affiliated entities as described below: standard information that your browser CheckFree has policies and procedures sends to every website you visit, such as To complete transactions and render that limit employee access to your NORTHEAST COMMUNITY BANK CONSUMER ONLINE BANKING TERMS AND CONDITIONS 5/15/2020 Personal Information to those with a "Payee" is the person or entity to which of the Service, particularly delays in business reason to have such information. you wish a bill payment to be directed or handling and posting payments by Payees We educate our employees about the is the person or entity from which you or financial institutions, some transactions importance of confidentiality and receive electronic bills, as the case may may take longer to be credited to your customer privacy, and we take be. account. The Service will bear appropriate disciplinary measures to responsibility for any late payment related enforce our privacy practices. "Payment Instruction" is the information charges up to $50.00 should a payment provided by you to the Service for a bill post after its Due Date as long as the Protection for Former Customers payment to be made to the Payee (such payment was scheduled in accordance as, but not limited to, Payee name, Payee with the guidelines described under We treat the Personal Information of our account number, and Scheduled Payment "Payment Scheduling" in this Agreement. former customers with the same care and Date). respect as that of our current customers. PAYMENT AUTHORIZATION AND "Payment Account" is the checking PAYMENT REMITTANCE Compliance with Applicable Laws account from which bill payments will be By providing the Service with names and debited. account information of Payees to whom CheckFree complies with applicable laws you wish to direct payments, you and regulations pertaining to information "Billing Account" is the checking account authorize the Service to follow the about you, including U.S. federal laws from which all Service fees will be Payment Instructions that it receives pertaining to "nonpublic personal automatically debited. through the . In order to information" and "consumer report process payments more efficiently and information." CheckFree uses and "Business Day" is every Monday through effectively, the Service may edit or alter discloses those types of information only Friday, excluding payment data or data formats in as permitted by applicable law and holidays. accordance with Payee directives. described in this Privacy Policy. "Scheduled Payment Date" is the day you When the Service receives a Payment Keeping Up to Date with Our Privacy want your Payee to receive your bill Instruction, you authorize the Service to Policy: The most current Privacy Policy is payment and is also the day your Payment debit your Payment Account and remit kept posted on the Site. For a printed Account will be debited, unless the funds on your behalf so that the funds copy of the most current Privacy Policy Scheduled Payment Date falls on a non- arrive as close as reasonably possible to you may contact us by mail, by telephone, Business Day in which case it will be the Scheduled Payment Date designated or by e-mail at the addresses listed below. considered to be the previous Business by you. You also authorize the Service to Day. credit your Payment Account for Contacting Us payments returned to the Service by the "Due Date" is the date reflected on your United States Postal Service or Payee, or At CheckFree, your privacy and the Payee statement for which the payment is payments remitted to you on behalf of protection of your Personal Information due. It is not the late date or grace period. another authorized user of the Service. are central to our business. Our products and services are developed with your "Scheduled Payment" is a payment that The Service will use its best efforts to privacy and security as a priority. If you has been scheduled through the Service make all your payments properly. have any questions about this Privacy but has not begun processing. However, the Service shall incur no Policy, please contact us in one of the liability and any Service Guarantee shall following ways: PAYMENT SCHEDULING be void if the Service is unable to Transactions begin processing four (4) complete any payments initiated by you In writing: CheckFree Services Corporation Business Days prior to your Scheduled because of the existence of any one or ATTN: Privacy Management 4411 East Payment Date. Therefore, the application more of the following circumstances: Jones Bridge Road Norcross, GA 30092 will not permit you to select a Scheduled Payment Date less than four (4) Business If, through no fault of the Service, your E mail:[email protected] Days from the current date. When Payment Account does not contain scheduling payments you must select a sufficient funds to complete the Telephone number:1-800-564-9184 Scheduled Payment Date that is no later transaction or the transaction would than the actual Due Date reflected on exceed the credit limit of your overdraft TERMS AND CONDITIONS OF THE your Payee statement unless the Due Date account; CHECKFREE BILL PAYMENT SERVICE falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you The payment processing center is not SERVICE DEFINITIONS must select a Scheduled Payment Date working properly and you know or have "Service" means the Bill Payment Service that is at least one (1) Business Day before been advised by the Service about the offered by NorthEast Community Bank, the actual Due Date. Scheduled Payment malfunction before you execute the through CheckFree Services Corporation. Dates should be prior to any late date or transaction; grace period. You have not provided the Service with "Agreement" means these Terms and the correct Payment Account information, Conditions of the bill payment service. THE SERVICE GUARANTEE or the correct name, address, phone Due to circumstances beyond the control number, or account information for the NORTHEAST COMMUNITY BANK CONSUMER ONLINE BANKING TERMS AND CONDITIONS 5/15/2020 Payee; and/or, schedule. accounts current. Each electronic Payee Circumstances beyond control of the reserves the right to accept or deny your Service (such as, but not limited to, fire, PROHIBITED PAYMENTS request to receive electronic bills. flood, or interference from an outside Payments to Payees outside of the United Notification - The Service will use its best force) prevent the proper execution of the States or its territories are prohibited efforts to present all of your electronic transaction and the Service has taken through the Service. bills promptly. In addition to notification reasonable precautions to avoid those within the Service, the Service may send circumstances. EXCEPTION PAYMENTS an e-mail notification to the e-mail Tax payments and court ordered address listed for your account. It is your Provided none of the foregoing exceptions payments may be scheduled through the sole responsibility to ensure that this are applicable, if the Service causes an Service, however such payments are information is accurate. In the event you incorrect amount of funds to be removed discouraged and must be scheduled at do not receive notification, it is your from your Payment Account or causes your own risk. In no event shall the responsibility to periodically logon to the funds from your Payment Account to be Service be liable for any claims or Service and check on the delivery of directed to a Payee which does not damages resulting from your scheduling new electronic bills. The time for comply with your Payment Instructions, of these types of payments. The Service notification may vary from Payee to the Service shall be responsible for Guarantee as it applies to any late Payee. You are responsible for ensuring returning the improperly transferred payment related changes is void when timely payment of all bills. funds to your Payment Account, and for these types of payments are scheduled Cancellation of electronic bill notification - directing to the proper Payee any and/or processed by the Service. The The electronic Payee reserves the right to previously misdirected transactions, and, Service has no obligation to research or cancel the presentment of electronic bills if applicable, for any late payment related resolve any claim resulting from an at any time. You may cancel electronic bill charges. exception payment. All research and presentment at any time. The timeframe resolution for any misapplied, mis-posted for PAYMENT METHODS or misdirected payments will be the sole The Service reserves the right to select the responsibility of you and not of the cancellation of your electronic bill method in which to remit funds on your Service. presentment may vary from Payee to behalf to your Payee. These payment Payee. It may take up to sixty (60) days, methods may include, but may not be BILL DELIVERY AND PRESENTMENT depending on the billing cycle of each limited to, an electronic payment, an This feature is for the presentment of Payee. The Service will notify your electronic to check payment, or a laser electronic bills only and it is your sole electronic Payee(s) as to the change in draft payment. responsibility to contact your Payees status of your account and it is your sole directly if you do not receive your responsibility to arrange for an alternative PAYMENT CANCELLATION REQUESTS statements. In addition, if you elect to form of bill delivery. The Service will not You may cancel or edit any Scheduled activate one of the Service's electronic bill be responsible for presenting any Payment (including recurring payments) options, you also agree to the following: electronic bills that are already in process by following the directions within the at the time of cancellation. application. There is no charge for Information provided to the Payee - The Non-Delivery of electronic bill(s) - You canceling or editing a Scheduled Payment. Service is unable to update or change your agree to hold the Service harmless should Once the Service has begun processing a personal information such as, but not the Payee fail to deliver your payment it cannot be cancelled or edited, limited to, name, address, phone numbers statement(s). You are responsible for therefore a stop payment request must be and e-mail addresses, with the electronic ensuring timely payment of all bills. submitted. Payee. Any changes will need to be made Copies of previously delivered bills must by contacting the Payee directly. be requested from the Payee directly. STOP PAYMENT REQUESTS Additionally, it is your responsibility to Accuracy and dispute of electronic bill - The Service's ability to process a stop maintain all usernames and passwords for The Service is not responsible for the payment request will depend on the all electronic Payee sites. You also agree accuracy of your electronic bill(s). The payment method and whether or not a not to use someone else's information to Service is only responsible for presenting check has cleared. The Service may also gain unauthorized access to another the information we receive from the not have a reasonable opportunity to act person's bill. Payee. Any discrepancies or disputes on any stop payment request after a Activation - Upon activation of the regarding the accuracy of your electronic payment has been processed. If you electronic bill feature the Service may bill summary or detail must be addressed desire to stop any payment that has notify the Payee of your request to with the Payee directly. already been processed, you must contact receive electronic billing information. The Customer Service. Although the Service presentment of your first electronic bill This Agreement does not alter your will make every effort to accommodate may vary from Payee to Payee and may liability or obligations that currently exist your request, the Service will have no take up to sixty (60) days, depending on between you and your Payees. liability for failing to do so. The Service the billing cycle of each Payee. may also require you to present your Additionally, the ability to receive a paper EXCLUSIONS OF WARRANTIES request in writing within fourteen (14) copy of your statement(s) is at the sole THE SERVICE AND RELATED days. The charge for each stop payment discretion of the Payee. While your DOCUMENTATION ARE PROVIDED "AS IS" request will be the current charge for such electronic bill feature is being activated it WITHOUT WARRANTY OF ANY KIND, service as set out in the applicable fee is your responsibility to keep your EITHER EXPRESSED OR IMPLIED, NORTHEAST COMMUNITY BANK CONSUMER ONLINE BANKING TERMS AND CONDITIONS 5/15/2020 INCLUDING, BUT NOT LIMITED TO, THE customer service hours; transactions; IMPLIED WARRANTIES OF Contact us by using the application's e- Where it is necessary for activating MERCHANTABILITY AND FITNESS FOR A messaging feature; and/or, additional services; PARTICULAR PURPOSE. Write us at: In order to verify the existence and condition of your account to a third party, PASSWORD AND SECURITY CheckFree PO 182477 such as a credit bureau or Payee; You agree not to give or make available Columbus, OH 43218-2477 To a consumer reporting agency for your password or other means to access research purposes only; your account to any unauthorized If you think your statement is incorrect or In order to comply with a governmental individuals. You are responsible for all you need more information about a agency or court orders; or, payments you authorize using the Service. Service transaction listed on the If you give us your written permission. If you permit other persons to use the statement, we must hear from you no Service or your password or other means later than sixty (60) days after the FIRST SERVICE FEES AND ADDITIONAL CHARGES to access your account, you are statement was sent to you on which the Any applicable fees will be charged responsible for any transactions they problem or error appears. You must: regardless of whether the Service was authorize. If you believe that your used during the billing cycle. There may be password or other means to access your Tell us your name and Service account a charge for additional transactions and account has been lost or stolen or that number; other optional services. You agree to pay someone may attempt to use the Service Describe the error or the transaction in such charges and authorize the Service to without your consent or has transferred question, and explain as clearly as possible deduct the calculated amount from your money without your permission, you must why you believe it is an error or why you designated Billing Account for these notify the Service at once by calling 877- need more information; and, amounts and any additional charges that 370- 1783 during customer service hours. Tell us the dollar amount of the suspected may be incurred by you. Any financial fees You must notify the Service at once by error. associated with your standard deposit using the application's e-messaging accounts will continue to apply. You are feature. If you tell us verbally, we may require that responsible for any and all telephone you send your complaint in writing within access fees and/or Internet service fees YOUR LIABILITY FOR UNAUTHORIZED ten (10) Business Days after your verbal that may be assessed by your telephone TRANSFERS notification. We will tell you the results of and/or Internet service provider. If you tell us within two (2) Business Days our investigation within ten (10) Business after you discover your password or other Days after we hear from you, and will FAILED OR RETURNED TRANSACTIONS means to access your account has been correct any error promptly. However, if In using the Service, you are requesting lost or stolen, your liability is no more we require more time to confirm the the Service to make payments for you than $50.00 should someone access your nature of your complaint or question, we from your Payment Account. If we are account without your permission. If you reserve the right to take up to forty- five unable to complete the transaction for do not tell us within two (2) Business Days (45) days to complete our investigation. If any reason associated with your Payment after you learn of such loss or theft, and we decide to do this, we will provisionally Account (for example, there are we can prove that we could have credit your Payment Account within ten insufficient funds in your Payment prevented the unauthorized use of your (10) Business Days for the amount you Account to cover the transaction), the password or other means to access your think is in error. If we ask you to submit transaction will not be completed. In account if you had told us, you could be your complaint or question in writing and some instances, you will receive a return liable for as much as $500.00. If your we do not receive it within ten (10) notice from the Service. In such case, you monthly financial institution Business Days, we may not provisionally agree that: credit your Payment Account. If it is statement contains transfers that you did determined there was no error we will You will reimburse the Service not authorize, you must tell us at once. If mail you a written explanation within immediately upon demand the you do not tell us within sixty (60) days three (3) Business Days after completion transaction amount that has been after the statement was sent to you, you of our investigation. You may ask for returned to the Service; may lose any amount transferred without copies of documents used in our For any amount not reimbursed to the your authorization after the sixty (60) days investigation. The Service may revoke any Service within fifteen (15) days of the if we can prove that we could have provisional credit provided to you if we initial notification, a late charge equal to stopped someone from taking the money find an error did not occur. 1.5% monthly interest or the legal had you told us in time. If a good reason maximum, whichever rate is lower, for (such as a long trip or a hospital stay) DISCLOSURE OF ACCOUNT INFORMATION any unpaid amounts may be imposed; prevented you from telling us, we may TO THIRD PARTIES You will reimburse the Service for any fees extend the period. It is our general policy to treat your imposed by your financial institution as a account information as confidential. result of the return; ERRORS AND QUESTIONS However, we will disclose information to You will reimburse the Service for any fees In case of errors or questions about your third parties about your account or the it incurs in attempting to collect the transactions, you should as soon as transactions you make ONLY in the amount of the return from you; and, possible notify us via one of the following: following situations: The Service is authorized to report the facts concerning the return to any credit Telephone us at 877-370-1783 during Where it is necessary for completing reporting agency. NORTHEAST COMMUNITY BANK CONSUMER ONLINE BANKING TERMS AND CONDITIONS 5/15/2020 ALTERATIONS AND AMENDMENTS suspension shall affect your liability or This Agreement, applicable fees and obligations under this Agreement. ASSIGNMENT service charges may be altered or You may not assign this Agreement to any amended by the Service from time to PAYEE LIMITATION other party. The Service may assign this time. In such event, the Service shall The Service reserves the right to refuse to Agreement to any future, directly or provide notice to you. Any use of the pay any Payee to whom you may direct a indirectly, affiliated company. The Service Service after the Service provides you a payment. The Service will notify you may also assign or delegate certain of its notice of change will constitute your promptly if it decides to refuse to pay a rights and responsibilities under this agreement to such change(s). Further, the Payee designated by you. This notification Agreement to independent contractors or Service may, from time to time, revise or is not required if you attempt to make a other third parties. update the applications, services, and/or prohibited payment or an exception related material, which may render all payment under this Agreement. NO WAIVER such prior versions obsolete. The Service shall not be deemed to have Consequently, the Service reserves the RETURNED PAYMENTS waived any of its rights or remedies right to terminate this Agreement as to all In using the Service, you understand that hereunder unless such waiver is in writing such prior versions of the applications, Payees and/or the United States Postal and signed by the Service. No delay or services, and/or related material and limit Service may return payments to the omission on the part of the Service in access to only the Service's more recent Service for various reasons such as, but exercising any rights or remedies shall revisions and updates. not limited to, Payee's forwarding address operate as a waiver of such rights or expired; Payee account number is not remedies or any other rights or remedies. ADDRESS OR BANKING CHANGES valid; Payee is unable to locate account; A waiver on any one occasion shall not be It is your sole responsibility to ensure that or Payee account is paid in full. The construed as a bar or waiver of any rights the contact information in your user Service will use its best efforts to research or remedies on future occasions. profile is current and accurate. This and correct the returned payment and includes, but is not limited to, name, return it to your Payee, or void the CAPTIONS address, phone numbers and email payment and credit your Payment The captions of sections hereof are for addresses. Changes can be made either Account. convenience only and shall not control or within the application or by contacting You may receive notification from the affect the meaning or construction of any Customer Service. Any changes in your Service. of the provisions of this Agreement. Payment Account should also be made in accordance with the procedures outlined INFORMATION AUTHORIZATION GOVERNING LAW within the application's Help files. All Your enrollment in the Service may not be This Agreement shall be governed by and changes made are effective immediately fulfilled if the Service cannot verify your construed in accordance with the laws of for scheduled and future payments paid identity or other necessary information. the State of Georgia, without regard to its from the updated Payment Account Through your enrollment in the Service, conflicts of laws provisions. information. The Service is not responsible you agree that the Service reserves the for any payment processing errors or fees right to request a review of your credit THE FOREGOING SHALL CONSTITUTE THE incurred if you do not provide accurate rating at its own expense through an SERVICE'S ENTIRE LIABILITY AND YOUR Payment Account or contact information. authorized bureau. In addition, you agree EXCLUSIVE REMEDY. IN NO EVENT SHALL that the Service reserves the right to THE SERVICE BE LIABLE FOR ANY DIRECT, SERVICE TERMINATION, CANCELLATION, obtain financial information regarding INDIRECT, SPECIAL, INCIDENTAL, OR SUSPENSION your account from a Payee or your CONSEQUENTIAL, OR EXEMPLARY In the event you wish to cancel the financial institution (for example, to DAMAGES, INCLUDING LOST PROFITS Service, you may have the ability to do so resolve payment posting problems or for (EVEN IF ADVISED OF THE POSSIBILITY through the product, or you may contact verification). THEREOF) ARISING IN ANY WAY OUT OF customer service via one of the following: THE INSTALLATION, USE, OR DISPUTES MAINTENANCE OF THE EQUIPMENT, Telephone us at 1-866-287-7500 during In the event of a dispute regarding the SOFTWARE customer service hours; and/or Service, you and the Service agree to Write us at: resolve the dispute by looking to this Agreement. You agree that this NorthEast Community Bank Electronic Agreement is the complete and exclusive Banking Department 325 Hamilton Ave statement of the agreement between you White Plains, NY 10601 and the Service which supersedes any proposal or prior agreement, oral or Any payment(s) the Service has already written, and any other communications processed before the requested between you and the Service relating to cancellation date will be completed by the the subject matter of this Agreement. If Service. All Scheduled Payments including there is a conflict between what an recurring payments will not be processed employee of the Service or Customer once the Service is cancelled. The Service Service Department says and the terms of may terminate or suspend Service to you this Agreement, the terms of this at any time. Neither termination nor Agreement will prevail. NORTHEAST COMMUNITY BANK CONSUMER ONLINE BANKING TERMS AND CONDITIONS 5/15/2020 Rev. 5.2018

WHAT DOES NorthEast Community Bank (NECB) and FACTS Harbor|West Management (HWM) DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the 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.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:  Social Security number and transaction history  Checking Account Information and payment history  Account balances and account transactions When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons NorthEast Community Bank chooses to share; and whether you can limit this sharing.

Does NECB or HWM Reasons we can share your personal information Can you limit this sharing? share? For our everyday business purposes— YES NO such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

For our marketing purposes— YES NO to offer our products and services to you

For joint marketing with other financial companies NO We don’t share

For our affiliates’ everyday business purposes— NO We don’t share information about your transactions and experiences

For our affiliates’ everyday business purposes— NO We don’t share information about your creditworthiness

For our affiliates to market to you NO We don’t share

For nonaffiliates to market to you NO We don’t share

Questions? Call 914-684-2500 or go to www.necb.com Page 2

Who we are NorthEast Community Bank Who is providing this notice?

What we do How does NECB To protect your personal information from unauthorized access Protect my personal information? and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does NECB We collect your personal information, for example, when you collect my personal information?  Open an account or show your identification  Provide account information or apply for a loan  Enter into an investment advisory contract We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the 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.

Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

 NECB and HWM have no affiliates

Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.  NECB and HWM do not share your personal information with non- affiliates for marketing purposes

Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

 NECB and HWM do not have any joint marketing agreements

Other important information NorthEast Community Bank’s Privacy Policy is available online at www.necommunitybank.com/PrivacyPolicy.aspx Should you wish to receive physical copy of this notice, please contact us at (866) 287-7500 and we will furnish you a copy within 10 calendar days.