Information About Our Accounts, Services and Agreements to include the following items: Electronic Funds Transfer (EFT) Automated Teller Machines (ATMs) Other Electronic Terminal Services Privacy Policy and Affiliate Marketing Notice Rev. 5/20/2021 Table of Contents Introduction .............................................................................................................................................................................................. 4 Section I — Banking Services ................................................................................................................................................................ 4 Services ................................................................................................................................................................................................... 4 Checking Accounts .................................................................................................................................................................................. 4 Savings Plans .......................................................................................................................................................................................... 4 Other Financial Services ......................................................................................................................................................................... 4 Section II — Information about Bank Rules and Policies .................................................................................................................... 4 Laws, Rules, and Regulations ................................................................................................................................................................ 4 Agreement .............................................................................................................................................................................................. 4 Important Information About Procedures for Opening a New Account ................................................................................................... 4 Notices from You .................................................................................................................................................................................... 4 Change of Address ................................................................................................................................................................................. 4 Customer Service Center Hours ............................................................................................................................................................. 4 Stop Payments ....................................................................................................................................................................................... 4 Form of Account ..................................................................................................................................................................................... 5 Joint Accounts ........................................................................................................................................................................................ 5 Trust or Payable on Death Account ........................................................................................................................................................ 5 Custodial under the NYS Uniform Transfers to Minors Act Account ....................................................................................................... 5 Power of Attorney ................................................................................................................................................................................... 6 Inactive Accounts .................................................................................................................................................................................... 6 Privacy .................................................................................................................................................................................................... 6 Changes in Terms .................................................................................................................................................................................. 6 Indemnity ................................................................................................................................................................................................ 6 Fees and Charges .................................................................................................................................................................................. 6 Waiver ..................................................................................................................................................................................................... 6 How to Get Additional Information .......................................................................................................................................................... 6 Section III — General Account Features ................................................................................................................................................ 7 Minimum to Open and Maintain Accounts .............................................................................................................................................. 7 Availability of Funds ................................................................................................................................................................................ 7 Deposits Made at Automated Teller Machines (ATMs) ............................................................................................................................... 7 Deposits Made at Point of Banking Facilities .......................................................................................................................................... 7 Commercial Checking Account Deposits ................................................................................................................................................ 7 Longer Delays May Apply ....................................................................................................................................................................... 7 Special Rules for New Accounts ............................................................................................................................................................. 7 Deposits .................................................................................................................................................................................................. 7 The Bank as Collecting Agent ................................................................................................................................................................ 8 Check Payment Information ................................................................................................................................................................... 8 The Order in Which Your Checks are Paid ......................................................................................................................................... 8 Other Important Disclosures ................................................................................................................................................................ 8 Change in Method ............................................................................................................................................................................... 9 Interest .................................................................................................................................................................................................... 9 Withdrawals ............................................................................................................................................................................................ 9 Right of Offset ........................................................................................................................................................................................ .9 Closing Your Account ........................................................................................................................................................................... 10 Service Charges ................................................................................................................................................................................... 10 Passbooks and Statements .................................................................................................................................................................. 10 Nontransferable .................................................................................................................................................................................... 10 Interest Reporting ................................................................................................................................................................................