Important Information About Your Account Member FDIC Table of Contents Revised 10/10/2018 SECURITY ............................................................................................................................................................................................................................. 03 Safe Computing Practices ................................................................................................................................................................................................. 03 Identity Theft ....................................................................................................................................................................................................................... 03 Protecting Yourself at One of Our ATMs ............................................................................................................................................................................ 04 CUSTOMER IDENTIFICATION POLICY ............................................................................................................................................................................... 04 ACCOUNT OWNERSHIP ...................................................................................................................................................................................................... 04 Certifying Your Taxpayer Identification Number ................................................................................................................................................................ 04 Ownership of Account ........................................................................................................................................................................................................ 04 Reliance on your Signature Form/Card .............................................................................................................................................................................. 05 Authorized Signers ............................................................................................................................................................................................................. 05 Multiple Signatures ............................................................................................................................................................................................................. 05 Facsimile Signature Machines or Stamps ......................................................................................................................................................................... 05 TERMS AND CONDITIONS ................................................................................................................................................................................................. 06 Liability ................................................................................................................................................................................................................................ 06 Deposits ............................................................................................................................................................................................................................... 06 Chargebacks ......................................................................................................................................................................................................................... 06 Returned Items ..................................................................................................................................................................................................................... 06 Transaction Processing Order .............................................................................................................................................................................................. 06 Withdrawals ........................................................................................................................................................................................................................... 06 Passbooks ........................................................................................................................................................................................................................... 07 Time Deposit Early Withdrawal Penalties ........................................................................................................................................................................... 07 Check Legends and Restricted Language on Checks .......................................................................................................................................................... 07 Stale-Dated and Post-Dated Checks .................................................................................................................................................................................... 07 Third Party Check Cashing ................................................................................................................................................................................................... 07 Unlawful Internet Gambling Transactions Prohibited ............................................................................................................................................................ 07 Stop Payments ...................................................................................................................................................................................................................... 07 Stop Payments on Official Checks .................................................................................................................................................................................... 07 Abandoned and Dormant Accounts .................................................................................................................................................................................... 07 Statements ............................................................................................................................................................................................................................ 07 Account Closure .................................................................................................................................................................................................................... 07 Early Account Closure ........................................................................................................................................................................................................... 07 Recording and Monitoring Telephone Calls ......................................................................................................................................................................... 07 Account Transfer or Assignment .......................................................................................................................................................................................... 08 Set-Off .................................................................................................................................................................................................................................. 08 Bangor Online Access ........................................................................................................................................................................................................... 08 RIGHT TO DOCUMENTATION ............................................................................................................................................................................................. 08 BANK ADMINISTRATION OF CHECKING ACCOUNTS ......................................................................................................................................................... 08 BANK SERVICES .................................................................................................................................................................................................................... 08 Telephone Transfers ............................................................................................................................................................................................................. 08 Automatic Funds Transfers ................................................................................................................................................................................................... 08 Overdraft Services ................................................................................................................................................................................................................. 08 No Return Benefit Service .................................................................................................................................................................................................... 09 Account-Link Overdraft Protection Transfers .....................................................................................................................................................................