Important Information About Your Account Member FDIC Table of Contents Revised 08/02/2021 SECURITY .............................................................................................................................................................................................. 3 SAFE COMPUTING PRACTICES ................................................................................................................................................................... 3 IDENTITY THEFT ......................................................................................................................................................................................... 3 PROTECTING YOURSELF AT ONE OF OUR ATMS ......................................................................................................................................... 4 CUSTOMER IDENTIFICATION POLICY (CIP) ............................................................................................................................................ 4 ACCOUNT OWNERSHIP ......................................................................................................................................................................... 4 CERTIFYING YOUR TAXPAYER IDENTIFICATION NUMBER .......................................................................................................................... 4 OWNERSHIP OF ACCOUNT ........................................................................................................................................................................ 4 RELIANCE ON YOUR SIGNATURE FORM/CARD .......................................................................................................................................... 5 RELIANCE ON CORRECTLY COMPLETED DOCUMENTATION/FORMS TO AUTHORIZE CHANGES ............................................................... 5 AUTHORIZED SIGNERS (PERSONAL ACCOUNTS ONLY) ...................................................................................................................................... 5 MULTIPLE SIGNATURES (BUSINESS ACCOUNTS ONLY) ..................................................................................................................................... 5 FACSIMILE SIGNATURE MACHINES OR SIGNATURE STAMPS ...................................................................................................................... 6 TERMS AND CONDITIONS OF YOUR DEPOSIT ACCOUNT ....................................................................................................................... 6 LIABILITY .................................................................................................................................................................................................... 6 DEPOSITS ................................................................................................................................................................................................... 6 CHARGEBACKS........................................................................................................................................................................................... 6 RETURNED ITEMS ...................................................................................................................................................................................... 6 TRANSACTION PROCESSING ORDER .......................................................................................................................................................... 6 WITHDRAWALS ......................................................................................................................................................................................... 6 PASSBOOK ACCOUNTS .............................................................................................................................................................................. 7 TIME DEPOSIT – EARLY WITHDRAWAL PENALTIES .................................................................................................................................... 7 CHECK LEGENDS AND RESTRICTIVE LANGUAGE ON CHECKS ..................................................................................................................... 7 STALE-DATE AND POST-DATED CHECKS .................................................................................................................................................... 7 THIRD PARTY CHECK CASHING .................................................................................................................................................................. 7 STOP PAYMENTS ....................................................................................................................................................................................... 7 STOP PAYMENT ON OFFICIAL CHECKS ....................................................................................................................................................... 7 ABANDONED AND DORMANT ACCOUNTS ................................................................................................................................................ 7 STATEMENTS ............................................................................................................................................................................................. 7 ACCOUNT CLOSURE ................................................................................................................................................................................... 7 EARLY ACCOUNT CLOSURE FEE.................................................................................................................................................................. 8 RECORDING AND MONITORING TELEPHONE CALLS .................................................................................................................................. 8 ACCOUNT TRANSFER OR ASSIGNMENT ..................................................................................................................................................... 8 SET-OFF ..................................................................................................................................................................................................... 8 BANGOR ONLINE ACCESS .......................................................................................................................................................................... 8 RIGHT TO DOCUMENTATION ................................................................................................................................................................ 8 BANK ADMINISTRATION OF CHECKING ACCOUNTS .............................................................................................................................. 8 BANK SERVICES .................................................................................................................................................................................... 8 TELEPHONE TRANSFERS ............................................................................................................................................................................ 8 AUTOMATIC FUNDS TRANSFER (AFT) ........................................................................................................................................................ 8 OVERDRAFT SERVICES ............................................................................................................................................................................... 9 NO RETURN BENEFITSM .............................................................................................................................................................................. 9 ACCOUNT-LINK OVERDRAFT PROTECTION TRANSFERS........................................................................................................................... 10 DIRECT DEPOSITS..................................................................................................................................................................................... 10 WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS AND OVERDRAFT/NO RETURN BENEFITSM FEES .................................................... 10 SUBSTITUTE CHECKS AND YOUR RIGHTS ............................................................................................................................................. 11 ELECTRONIC FUNDS TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES .............................................................................................. 11 DEBIT MASTERCARD® CONSUMER AGREEMENT ................................................................................................................................. 12 DEBIT MASTERCARD® GUIDE TO BENEFITS - CONSUMER .................................................................................................................... 14 DEBIT MASTERCARD® BUSINESSCARD™ AGREEMENT ......................................................................................................................... 17 DEBIT MASTERCARD® GUIDE TO BENEFITS - BUSINESSCARD™ ............................................................................................................ 20 STOP PAYMENTS ON AUTOMATIC FUNDS TRANSFERS AND NOTICE OF VARYING AMOUNTS ............................................................