Your guide to managing money the best way - PDF document

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Your guide to managing money the best way - PPT Presentation

your wayDime Community Bank Upcoming Changes to Your WllZddKWKdKhEdKEhDZKhEdEKZDdKEhElKDDZx0000KhEdEKZDdKEKhEdddDEdx0000KEKhEdhWWKZdEKhEdx0000KhZvZPouvvuvvvovvdvZPZvZvovooWoWWoduvvvzvYv ID: 873874

account x0000 fee balance x0000 account balance fee average daily monthly falls imposed 500 interest dime minimum premier money

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1 Your guide to managing money the best wa
Your guide to managing money the best way your way . Dime Community Bank: Upcoming Changes to Your +ÀWðlíõlîìîí î Zd/&/dK&WK^/dKhEd^KE^hDZKhEd/E&KZDd/KEh^/E^^lKDDZ�/KhEd/E&KZDd/KEKhEd^ddDEd^�KEKhEd^^hWWKZd/E'KhEd�/^K^hZ^}µv^À]ZP]o}µíò/u}v/v(}u}v}µ&//vµvíôo}v]&µvdv(Z]PZvZ}v]]o]íõ&µvÀ]o]o]ÇW}o]ÇîïW]ÀÇW}o]Çduv}v]}v}(z}µ}µvîó Yµ}vMoo Welcome to the future of communitybanking.Please read this guide carefully. tZÀ}À]Z]o}(}vv}Ç}µvÆo}ZZmost important to you.DME_ BKLT_CONV_31521 3î TABLE OF CONTENTS IMPORTANT DATESBRANCH LOCATIONS ...............................................................5Zd/&/dK&WK^/dKhEd^ ..........................5KE^hDZKhEd/E&KZDd/KE .................................6h^/E^^lKDDZ�/KhEd/E&KZDd/KEOVERDRAFT PROGRAMATM & DEBIT CARDSTELEPHONE BANKINGONLINE & MOBILE BANKINGKhEd^ddDEd^�KEKhEd^^hWWKZd/E'KhEd�/^K^hZ^}µv^À]ZP]o}µ/u}v/v(}u}v}µ&//vµvo}v]&µvdv(Z]PZvZ}v]]o]&µvÀ]o]o]ÇW}o]ÇW]ÀÇW}o]Çduv}v]}v}(z}µ}µv Yµ}vMoo tZÀ}À]Z]o}(}vv}Ç}µvÆo}ZZ ð L}vÀ]}vÁlvÇ}µÁ]ooZÀ}òð(µooÀ]vZvvÆv]ÀdDvÁ}lX}}loÇvvíîvZ}vÆvívZv^µ+}olvíõvZYµvvõvZDvZ©vvívZEµvíîvZtv^µ+}olvíìvZ}ovu}}µZ}ÁÁ[ÀÆv}µ]o](}uDvZ©v}D}vµlX/(Ç}µZÀµ}vU(o(}ooµ Week of April 5th z}µvÁ]u]DÁ]oou]o]oÇ}Ç}µXdZ]Á]ooÀ]oo(}µ}vD}vÇU]oíõZX&}µ]Çµ}UoÀÇ}µµ}v]Xz}µµvDime VISA]Á]ooÁ}lZ}µPZU^µvÇU]oíôZX Friday, April 16th ]uvZÁ]ooo}ïWD}v&]ÇU]oíòZ}oo}Á(}ZÇu]vP}vXKvo]vvu}]ovl]vPÁ]ooo}µvÀ]ooP]vv]vP&]ÇLv}}vXdDÁ]ooÀ]ooXdoZ}vvl]vPÁ]oo]vµ]Ç}voÇP]vv]vP&]ÇLv}}vX Saturday & Sunday April 17th & 18th doZ}vvl]vPÁ]oo]vµ]Ç}voÇX]uvZÁ]ooo}}oo}Á(}ZÇu]vP}vXKvo]vvu}]ovl]vPÁ]ooo}µvÀ]ooXdDÁ]ooÀ]ooX Monday, April 19th ^Çu]vP}vÁ]oo}uoXz}µvÁ]u]DÁ]ooÇ(}µXz}µ]us/^Á]oov}o}vPÁ}lXvZÁ]oo}vXKvo]vUu}]ovoZ}vvl]vPÁ]ooÀ]oo}ooµ}uX ZP](}u]oµÇÀ]]vPdime.com/conversionImportant Dates dZÁ]oov}ZvP}Ç}µ.}(}]~]voµ]vP/v]À]µoZuv}µv~/ZXz}µ]vUuvuµ]ÇÁ]oooou]vZuXWov}Z]vv+}}Àv}o}P]ooÇ(]voÇUXDµ]Çv}Á]oovïìÇ]}} 5ð L}vÀ]}vÁlvÇ}µÁ]ooZÀ}òð(µooÀ]vZvvÆv]ÀdDvÁ}lX}}loÇvvíîvZ}vÆvívZv^µ+}olvíõvZYµvvõvZDvZ©vvívZEµvíîvZtv^µ+}olvíìvZ dime.com/branches }ovu}}µZ}ÁÁ[ÀÆv}µ]o](}uDvZ©v}D}vµlX/(Ç}µZÀµ}vU(o(}ooµ 800.321.DIME (3463) . Branch Locations z}µvÁ]u]DÁ]oou]o]oÇ}Ç}µXdZ]Á]ooÀ]oo(}µ}vD}vÇU]oíõZX&}µ]Çµ}UoÀÇ}µµ}v]Xz}µµv]Á]ooÁ}lZ}µPZU^µvÇU]oíôZX]uvZÁ]ooo}ïWD}v&]ÇU]oíòZ}oo}Á(}ZÇu]vP}vXKvo]vvu}]ovl]vPÁ]ooo}µvÀ]ooP]vv]vP&]ÇLv}}vXdDÁ]ooÀ]ooXdoZ}vvl]vPÁ]oo]vµ]Ç}voÇP]vv]vP&]ÇLv}}vXdoZ}vvl]vPÁ]oo]vµ]Ç}voÇX]uvZÁ]ooo}}oo}Á(}ZÇu]vP}vXKvo]vvu}]ovl]vPÁ]ooo}µvÀ]ooXdDÁ]ooÀ]ooX^Çu]vP}vÁ]oo}uoXz}µvÁ]u]DÁ]ooÇ(}µXz}µ]us/^Á]oov}o}vPÁ}lXvZÁ]oo}vXKvo]vUu}]ovoZ}vvl]vPÁ]ooÀ]oo}ooµ}uX ZP](}u]oµÇÀ]]vP Certicate of Deposit (CD) Accounts dZÁ]oov}ZvP}Ç}µ.}(}]~]voµ]vP/v]À]µoZuv}µv~/ZXz}µ]v

2 Uuv
Uuvuµ]ÇÁ]oooou]vZuXWov}Z]vv+}}Àv}o}P]ooÇ(]voÇUmonthly statements will no longer be sent for CD accountsXDµ]Çv}Á]oovïìÇ]}}maturity date. ó6 ^À]vP}µv ]ut}l^À]vPW}vo^uv^À]vP]u]^À]vPW}vo^uv^À]vP,}o]Çoµ,}o]Çoµ¨ìXììdZ]v}u]v]uµuov(X,}o]ÇoµÇ}µ}µK}ïív}µv}(Ç}µZ}}]vPXW}}l^À]vP^À]vPW}voW}}lW}Woµ^À]vPW}vo^uv^À]vP¨íììXììu}vZoÇ(}(¨ñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨ñììW}^À]vPW}vo^uv^À]vP¨íììXììu}vZoÇ(}(¨ñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨ñììZÁW}}l^À]vP^À]vPW}voW}}l¨íììXììu}vZoÇ(}(¨ñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨ñìì^uv^À]vPW}vo^uv^À]vP^µvW}}l^À]vP^À]vPW}voW}}l^À]vPW}vo^uv^À]vP Zl]vP}µv If your current account is:Your account will become:Minimum balance to obtain APY:Account Details: ]ut}lZl]vP'vZl]vPNon-interest bearingThere is no minimum ov(]/vZl]vPE}ÁW}voZl]vP¨îUñììXììA monthly fee of $15 will be imposed if the average daily balance in the account falls below $2,500&µo}µñìZl]vPE}ÁW}voZl]vP¨îUñììXììA monthly fee of $15 will be imposed if the average daily balance in the account falls below $2,500W(oÇ&Zl]vP'vZl]vPNon-interest bearingThere is no minimum ov(WovµuZl]vPW}voZl]vPNon-interest bearingu}vZoÇ(}(¨íîÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨íUñììWovµuWoµîXìW}voZl]vPNon-interest bearingu}vZoÇ(}(¨íîÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨íUñììPrime Dime Interest E}ÁW}voZl]vP¨îUñììXììA monthly fee of $15 will be imposed if the average daily balance in the account falls below $2,500W}Zl]vPW}voZl]vPNon-interest bearingA monthly fee of $12 will be imposed if the average daily balance in the account falls below $1,500houZl]vPW}voZl]vPNon-interest bearingu}vZoÇ(}(¨íîÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨íUñìì Consumer Product Comparison }(}µÇu]vP}vUÁo]Pv]vPoo}(}µ}]}µU+ÀD}vÇU]oíõUîìîíXdZ(}oo}Á]vPoµuu]ÌZvu}(Ç}µµv]u}µvUZvÁ}µvuv}}v]vP}µv]v(}u}vXdZ]u}vZvP}Zuv}v]}v}(Ç}µ}µv}µo]vo}ÁXWov}adverse changes will appear in bold textX^Z}µv^À]ZP]o}µ(}o(µ]uvUÁZ]ZuÇÀoÇ+Ç}µ}µvX ó ^À]vP}µv If your current account is:Your account will become:Minimum balance to obtain APY:Account Details: ]ut}l^À]vPW}vo^uv^À]vPA monthly fee of $5 will be imposed if the average daily balance in the account falls below $500]u]^À]vPW}vo^uv^À]vPA monthly fee of $5 will be imposed if the average daily balance in the account falls below $500,}o]Çoµ,}o]Çoµ¨ìXììdZ]v}u]v]uµuov(X,}o]ÇoµÇ}µ}µK}ïívtransferred into an open Dime }µv}(Ç}µZ}}]vPXIf no transfer account is chosen, funds will remain in account available for withdrawalW}}l^À]vP^À]vPW}voW}}lA monthly fee of $5 will be imposed if the average daily balance in the account falls below $500W}Woµ^À]vPW}vo^uv^À]vP¨íììXììu}vZoÇ(}(¨ñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨ñììW}^À]vPW}vo^uv^À]vP¨íììXììu}vZoÇ(}(¨ñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨ñììZÁW}}l^À]vP^À]vPW}voW}}l¨íììXììu}vZoÇ(}(¨ñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨ñìì^uv^À]vPW}vo^uv^À]vPA monthly fee of $5 will be imposed if the average daily balance in the account falls below $500^µvW}}l^À]vP^À]vPW}voW}}lA monthly fee of $5 will be imposed if the average daily balance in the account falls below $500Student Statement ^À]vPW}vo^uv^À]vPA monthly fee of $5 will be imposed if the average daily balance in the account falls below $500 Zl]vP}µv ]ut}lZl]vP'vZl]vPov(]/vZl]vPE}ÁW}voZl]vP¨îUñììXìì&µo}µñìZl]vPE}ÁW}voZl]vP¨îUñììXììW(oÇ&Zl]vP'vZl]vPov(WovµuZl]vPW}voZl]vPu}vZoÇ(}(¨íîÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨íUñììWovµuWoµîXìW}voZl]vPu}vZoÇ(}(¨íîÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨íUñììE}ÁW}voZl]vP¨îUñììXììW}Zl]vPW}voZl]vPhouZ

3 l]vPW}voZl]v
l]vPW}voZl]vPu}vZoÇ(}(¨íîÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨íUñìì }(}µÇu]vP}vUÁo]Pv]vPoo}(}µ}]}µU+ÀD}vÇU]oíõUîìîíXdZ(}oo}Á]vPoµuu]ÌZvu}(Ç}µµv]u}µvUZvÁ}µvuv}}v]vP}µv]v(}u}vXdZ]u}vZvP}Zuv}v]}v}(Ç}µ}µv}µo]vo}ÁXWov}X^Z}µv^À]ZP]o}µ(}o(µ]uvUÁZ]ZuÇÀoÇ+Ç}µ}µvX õô D}vÇDl}µv~DDD}vÇDl}µv~DD If your current account is:Your account will become:Minimum balance to obtain APY:Account Details: vD}vÇDlPremier Money DlW}voInterest Tiers:¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀA monthly fee of $15 will be imposed if the average daily balance in the account falls below $2,500vD}vÇDlW}}l^À]vPW}voW}}lu}vZoÇ(}(¨ñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨ñìì}D}vÇDlPremier Money DlW}voInterest Tiers:¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀA monthly fee of $15 will be imposed if the average daily balance in the account falls below $2,500}DDW}}l^À]vPW}voW}}lu}vZoÇ(}(¨ñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨ñìì]u]D}vÇDlPremier Money DlW}voInterest Tiers:¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀA monthly fee of $15 will be imposed if the average daily balance in the account falls below $2,500D}vÇDl^À]vPW}vo^uv^À]vPA monthly fee of $5 will be imposed if the average daily balance in the account falls below $500WovµuD}vÇDlPremier Money DlW}voInterest Tiers:¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀA monthly fee of $15 will be imposed if the average daily balance in the account falls below $2,500WovµuWoµîXìD}vÇDlPremier Money DlW}voInterest Tiers:¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀA monthly fee of $15 will be imposed if the average daily balance in the account falls below $2,500WovµuZo}vZ]D}vÇDlPremier Money DlW}voInterest Tiers:¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}Àu}vZoÇ(}(¨íñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨îUñìì WovµuZo}vZ]D}vÇDlW}}l^À]vPW}voW}}lu}vZoÇ(}(¨ñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨ñììWu]D}vÇDlDlW}vo¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀWu]D}vÇDlW}}l^À]vPW}voW}}lu}vZoÇ(}(¨ñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨ñììW]uD}vÇDlDlW}vo¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀD}vÇDlDlW}vo¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀZÁD}vÇDlDlW}vo¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀZÁD}vÇDlW}}l^À]vPW}voW}}lu}vZoÇ(}(¨ñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨ñììhouD}vÇDlDlW}vo¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}À õô D}vÇDl}µv~DDD}vÇDl}µv~DD vD}vÇDlDlW}vo¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀvD}vÇDlW}}l^À]vPW}voW}}lu}vZoÇ(}(¨ñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨ñìì}D}vÇDlDlW}vo¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}À}DDW}}l^À]vPW}voW}}lu}vZoÇ(}(¨ñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨ñìì]u]D}vÇDlDlW}vo¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀD}vÇDl^À]vPW}vo^uv^À]vPWovµuD}vÇDlDlW}vo¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀWovµuWoµîXìD}vÇDlDlW

4 }vo¨ìr¨ðõUõõõX
}vo¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀWovµuZo}vZ]D}vÇDlDlW}vo¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}Àu}vZoÇ(}(¨íñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨îUñìì If your current account is:Your account will become:Minimum balance to obtain APY:Account Details: WovµuZo}vZ]D}vÇDlW}}l^À]vPW}voW}}lu}vZoÇ(}(¨ñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨ñììWu]D}vÇDlPremier Money DlW}voInterest Tiers:¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀA monthly fee of $15 will be imposed if the average daily balance in the account falls below $2,500Wu]D}vÇDlW}}l^À]vPW}voW}}lu}vZoÇ(}(¨ñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨ñììW]uD}vÇDlPremier Money DlW}voInterest Tiers:¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀA monthly fee of $15 will be imposed if the average daily balance in the account falls below $2,500Prime Rewards D}vÇDlPremier Money DlW}voInterest Tiers:¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀA monthly fee of $15 will be imposed if the average daily balance in the account falls below $2,500ZÁD}vÇDlPremier Money DlW}voInterest Tiers:¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀA monthly fee of $15 will be imposed if the average daily balance in the account falls below $2,500ZÁD}vÇDlW}}l^À]vPW}voW}}lu}vZoÇ(}(¨ñÁ]oo]u}](ZÀP]oÇov]vZ}µv(ooo}Á¨ñììhouD}vÇDlPremier Money DlW}voInterest Tiers:¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀA monthly fee of $15 will be imposed if the average daily balance in the account falls below $2,500 íííì /Z^À]vPD}vÇDl}µv If your current account is:Your account will become:Minimum balance to obtain APY:Account Details: /ZD}vÇDl^À]vPd]}vo/Z¨íììXììE}u]v]uµuov}(/ZW}}l^À]vP^À]vPd]}vo/Z¨íììXììE}u]v]uµuov}(IRA Prime Rewards D}vÇDlW}}l^À]vPd]}vo/Z¨íììXììE}u]v]uµuov}(/ZW}^À]vP^À]vPd]}vo/Z¨íììXììE}u]v]uµuov}(IRA Rewards Money DlW}}l^À]vPd]}vo/Z¨íììXììE}u]v]uµuov}(/Z^uv^À]vP^À]vPd]}vo/Z¨íììXììE}u]v]uµuov}( Commercial Product Comparison If your current account is:Your account will become:Minimum balance to obtain APY:+À]oíõUîìîíWdZimportant changes to the uv}v]}v}(Ç}µaccount are outlined below. ©}vÇdµ^µ©}vÇlo]v¨íììXììdZ]v}u]v]uµuov}}]((}Z]}µv©}vÇdµE}vrW}voNon-interest bearingFor up to 250 items per month there is an average daily balance requirement of $10,000 to avoid a $12 fee. If you process more than 250 items a minimum average balance of $20,000 will avoid a fee µ]vÀvPµ]vÀvPW}]ÀWÇZl]vPE}vrW}voNon-interest bearingFor up to 250 items per month there is an average daily balance requirement of $10,000 to avoid a $12 fee. If you process more than 250 items a minimum average balance of $20,000 will avoid a fee of $25 Business Interest Business Interest W}]ÀWÇZl]vPE}vrW}voInterest A monthly fee of $15 is applied if the average daily balance falls below $2,500Business Money DltZ}ooPremier D}vÇDl}lInterest Tiers:¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀA monthly fee of $15 will be imposed if the average daily balance in the account falls below $2,500 +À]oíõUîìîíWdZuv}v]}v}(Ç}µ W}]ÀWÇZl]vPE}vrW}vo&}µ}îñì]uu}vZZ]vÀP]oÇovµ]uv}(¨íìUììì}À}]¨íî(X/(Ç}µ}u}Zvîñì]uu]v]uµuÀPov}(¨îìUìììÁ]ooÀ}](}(¨îñDlD}vÇDlE}vrW}vo¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀD}vÇDlD}vÇDlE}vrW}vo¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}À}uu]oD}vÇDlD}vÇDlE}vrW}vo¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}À}uu]oZ/vZl]vPE}vrW}vo/vZl]vPE}vrW}voD/}Áµ}]oE}vrW}vo}Á,}olE}vrW}vo ~}vvµ íííì /Z^À]vPD}vÇDl}µv /ZD}vÇDl^À]vPd]}vo/Z¨íììXììE}u]v]uµuov}(/ZW}}l^À]vP^À]vPd]}vo/Z¨íììXììE}u]v]uµuov}(D}vÇDlW}}l^À]vPd]}vo/Z¨íììXììE}u]v]uµuov}(/ZW}^À]vP^À]vPd]}vo/

5 Z¨íììXììE}u]v]uµu
Z¨íììXììE}u]v]uµuov}(DlW}}l^À]vPd]}vo/Z¨íììXììE}u]v]uµuov}(/Z^uv^À]vP^À]vPd]}vo/Z¨íììXììE}u]v]uµuov}( +À]oíõUîìîíWdZuv}v]}v}(Ç}µ ©}vÇdµ^µ©}vÇlo]v¨íììXììdZ]v}u]v]uµuov}}]((}Z]}µv©}vÇdµE}vrW}voµ]vÀvPµ]vÀvPW}]ÀWÇZl]vPE}vrW}voW}]ÀWÇZl]vPE}vrW}voDltZ}ooD}vÇDl}l¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}À If your current account is:Your account will become:to obtain APY:+À]oíõUîìîíWdZimportant changes to the uv}v]}v}(Ç}µaccount are outlined below. Business Preferred Business Preferred W}]ÀWÇZl]vPE}vrW}voNon-interest bearing&}µ}îñì]uu}vZZ]vÀP]oÇovµ]uv}(¨íìUììì}À}]¨íî(X/(Ç}µ}u}Zvîñì]uu]v]uµuÀPov}(¨îìUìììÁ]ooÀ}](}(¨îñBusiness Prime Rewards Money DlPremier D}vÇDlE}vrW}voInterest Tiers:¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀA monthly fee of $15 will be imposed if the average daily balance in the account falls below $2,500Business Rewards D}vÇDlPremier D}vÇDlE}vrW}voInterest Tiers:¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀA monthly fee of $15 will be imposed if the average daily balance in the account falls below $2,500}uu]oD}vÇDlPremier D}vÇDlE}vrW}voInterest Tiers:¨ìr¨ðõUõõõXõõ¨ñìUìììr¨õõUõõõXõõ¨íììUìììr¨îðõUõõõXõõ¨îñìUìììr¨õõõUõõõXõõ¨íUìììUìììv}ÀA monthly fee of $15 will be imposed if the average daily balance in the account falls below $2,500}uu]oZManagement /vZl]vPE}vrW}vo/vZl]vPA monthly fee of $15 is applied if the average daily balance falls below $2,500CRE Management E}vrW}voNon-interest bearingFor up to 250 items per month there is an average daily balance requirement of $10,000 to avoid a $12 fee. If you process more than 250 items a minimum average balance of $20,000 will avoid a fee D/}Áµ}]oE}vrW}voNon-interest bearingFor up to 250 items per month there is an average daily balance requirement of $10,000 to avoid a $12 fee. If you process more than 250 items a minimum average balance of $20,000 will avoid a fee of $25 }Á,}olE}vrW}voNon-interest bearingFor up to 250 items per month there is an average daily balance requirement of $10,000 to avoid a $12 fee. If you process more than 250 items a minimum average balance of $20,000 will avoid a fee Commercial Product Comparison ~}vvµ íïíî +ÀD}vÇ]oíõUîìîíU]u]À}l]vPZÆvKÀL~^K_^À]}Pu]v]vÇXZlv,v}vv(}ÇuvP]vv}vrµ8]v}µv}oo(µvuÇ]Zvl[}o]}vXWo(}Z(}vÇ]}voZPZuÇoÇXhvv}]µuvÁ]ooÇ}µo}Á}vv}vrµ8]v}µv}oovÇÆ]vPKÀ�L]v}(]}^�À]vP]vlKÀLÁ]oo}vvµ}µo]Ì}}À}ÀLU(µvÀ]oo]vZ}}µv}}}X If your current account is:Your account will become:Minimum balance to obtain APY: e: Min-imum balance to obtain APY: +À]oíõUîìîíWdZimportant changes to the uv}v]}v}(Ç}µaccount are outlined below. /vZÀE}vrW}voNon-interest bearingFor up to 250 items per month there is an average daily balance requirement of $10,000 to avoid a $12 fee. If you process more than 250 items a minimum average balance of $20,000 will avoid a fee IOLA �/KW}]ÀWÇ©}v�Ç/K¨îUñììXììdZ]v}u]v]uµuov}}]((}Z]}µv�vo}�vo},}o]vP¨ìXììdZ]v}u]v]uµuov}}]((}Z]}µvTenant�vo}ldvv¨ìXììdZ]v}u]v]uµuov}}]((}Z]}µvÀvPWµo]&µvdZ]v}u]v]uµuov}}]((}Z]}µvDµv]]o/vE}ÁWµo]dZ]v}u]v]uµuov}}]((}Z]}µvDµv]]oD}vÇDlPremier Money DlWµo]dZ]v}u]v]uµuov}}]((}Z]}µvDµv]]oEKtE}ÁWµo]dZ]v}u]v]uµuov}}]((}Z]}µvPreferredWµo]&µvdZ]v}u]v]uµuov}}]((}Z]}µvW}}l^À]vP^À]vPW}}lA monthly fee of $5 will be imposed if the average daily balance in the account falls below $500W(oÇ&E}vrW}voNon-interest bearingFor up to 250 items per month there is an average daily balance requirement of $10,000 to avoid a $12 fee. If you process more than 250 items a minimum average balance of $20,000 will avoid a fee of $25 Commercial Product Comparison ~}vvµ z}µµv]us]]}dDÁ]ooÁ}lZ}µPZz}µÁ]oo]À]vPvÁ]u]DÁZ]ZÇ}µÁ]oov}P]vµ]vP}vD}vÇU]oíõZUÇ}µs/^]Á]oov}o}vPÁ}lXh}v]}(Ç}µvÁ]u]DÇ}µuµÀZvoÇ}µW/EÇoo]vP(}uÇ}µ]uÇZ}vXz}µvÁÁ]oou]o}v]oñZX/(Ç}µ}v[]ÀÇ}µvÁÇ]

6 oíîZUooo
oíîZUoooµôììXïîíX/D~ïðòïXz}µ]u]DÁ]oo}voUÁZ]ZuvÇ}µvvÇX/}uÁ]Zvµu}µv.XWoZu]o(}u}]o}À]]~}vµu}~µ]vX/(Ç}µulµ}uÇuv}µ]vPÇuvÁ]ZÇ}µ]UÇ}µÁ]oov}}vZ}À]vP]ÀZuÇ}µvÁD]v(}u}vXÆuo}(ZÇ}(ÇuvPÇuuuZ]U]vµvÇuvUEo]Æ}uÌ}vX/(Ç}µµsoU]Á]ooµ}uooÇµÁ]ZÇ}µvÁ]XWo(}Zvo}o}v]&µvdv(Z]PZvZ}v]]o]]o}µ(}]}vo]v(}u}vXz}µuÇ}vvµ}µo]ÌÇ}µµvµoÇ}(ZlÇ}µ}µvv}µvPvµuÁ]ooÇZuXP]vv]vP}vD}vÇU]oíõZUoµÆZlÁ]oo}À]]vPZl(}}µµ}uXz}µv}ZlZ}µPZ}vo]vvl]vP}Çoo]vPÇ}µôììXïîíX/D~ïðòïXKv&]ÇU]oíòZ}Æ]uoÇðWììWDUZoZ}vvl]vPÇuÁ]oo]vµ]Ç}voÇXP]vv]vPD}vÇU]oíõZU(µooÀ]Á]oo}XEµuvÇ}µvÇ}µW/ELµ(µooÇo}PP]vP]vX d�v}v]u] ]oÇZt]ZÁ�o]u]¨íUììñ¨íUììñ]oÇWµ�Z]u]¨îUñìì¨ïUñìì íïíî EXTENDED OVERDRAFT SERVICES +ÀD}vÇ]oíõUîìîíU]u]À}l]vPZÆvKÀL~^K_^À]}Pu]v]vÇXZlv,v}vv(}ÇuvP]vv}vrµ8]v}µv}oo(µvuÇ]Zvl[}o]}vXWo(}ZSchedule of Fees(}vÇ]}voZPZuÇoÇXhvv}]µuvÁ]ooÇ}µo}Á}vv}vrµ8]v}µv}oofunds by use of your Debit/ATM card. vÇÆ]vPKÀ�L]v}(]}^�À]vP]vlKÀLÁ]oo}vvµ}µo]Ì}}À}ÀLU(µvÀ]oo]vZ}}µv}}}X Other Important Information +À]oíõUîìîíWdZuv}v]}v}(Ç}µ /vZÀE}vrW}vo�/KW}]ÀWÇ©}v�Ç/K¨îUñììXììdZ]v}u]v]uµuov}}]((}Z]}µv�vo}�vo},}o]vP¨ìXììdZ]v}u]v]uµuov}}]((}Z]}µv�^µ]Ç�vo}ldvv¨ìXììdZ]v}u]v]uµuov}}]((}Z]}µvÀvPWµo]&µvdZ]v}u]v]uµuov}}]((}Z]}µvDµv]]o/vE}ÁWµo]dZ]v}u]v]uµuov}}]((}Z]}µvDµv]]oD}vÇDlDlWµo]dZ]v}u]v]uµuov}}]((}Z]}µvDµv]]oEKtE}ÁWµo]dZ]v}u]v]uµuov}}]((}Z]}µvDµv]]oWµo]&µvdZ]v}u]v]uµuov}}]((}Z]}µvW}}l^À]vP^À]vPW}}lW(oÇ&E}vrW}vo ~}vvµATM & DEBIT CARDS z}µµv]us]]}dDÁ]ooÁ}lZ}µPZSunday,z}µÁ]oo]À]vPvÁ]u]DÁZ]ZÇ}µÁ]oov}P]vµ]vP}vD}vÇU]oíõZUÇ}µs/^]Á]oov}o}vPÁ}lXh}v]}(Ç}µvÁ]u]DÇ}µuµÀZvoÇ}µW/EÇoo]vP(}uÇ}µ]uÇZ}vXz}µvÁÁ]oou]o}v]oñZX/(Ç}µ}v[]ÀÇ}µvÁÇ]oíîZUoooµôììXïîíX/D~ïðòïXz}µ]u]DÁ]oo}voUÁZ]ZuvÇ}µvvÇX/}uÁ]Zvµu}µv.XWoZu]o(}u}]o}À]]dime.com/debitmastercard~}vµu}dime.com/businessdebit/(Ç}µulµ}uÇuv}µ]vPÇuvÁ]ZÇ}µ]UÇ}µÁ]oov}}vZ}À]vP]ÀZuÇ}µvÁD]v(}u}vXÆuo}(ZÇ}(ÇuvPÇuuuZ]U]vµvÇuvUEo]Æ}uÌ}vX/(Ç}µµsoU]Á]ooµ}uooÇµÁ]ZÇ}µvÁ]XWo(}Zvo}o}v]&µvdv(Z]PZvZ}v]]o]]o}µ(}]}vo]v(}u}vX CHECKS & CHECK ORDERS z}µuÇ}vvµ}µo]ÌÇ}µµvµoÇ}(ZlÇ}µ}µvv}µvPvµuÁ]ooÇZuXP]vv]vP}vD}vÇU]oíõZUoµÆZlÁ]oo}À]]vPZl(}}µµ}uXz}µv}ZlZ}µPZ}vo]vvl]vP}Çoo]vPÇ}µôììXïîíX/D~ïðòïX TELEPHONE BANKING Kv&]ÇU]oíòZ}Æ]uoÇðWììWDUZoZ}vvl]vPÇuÁ]oo]vµ]Ç}voÇXP]vv]vPD}vÇU]oíõ

7 ZU(µooÀ]Á]o
ZU(µooÀ]Á]oo}XYour Telephone PIN will be reset to the last four digits of your Social Security EµuvÇ}µvÇ}µW/ELµ(µooÇo}PP]vP]vX d�v}v]u]Personal Debit CardsBusiness Debit Cards ]oÇZt]ZÁ�o]u]¨íUììñ¨íUììñ]oÇWµ�Z]u]¨îUñìì¨ïUñìì íñíð PROCESSING ORDER OF CREDITS AND DEBITS TO YOUR ACCOUNT ]v]}U}}U}Ç}µ}µv]v].}XdZ}]vÁZ]Zv}v}uÇ+Zvµu}(v}vZ}ÀÁÇ}µ}µv}Zµvµv]UÁoovÇ(Ç}µuÇµ]}Ç]vZÀvZZ]v}v}µPZu}vÇ]vÇ}µ}µv}Çoo}(Z]Z]À(}ÇuvXz}µvÀ}]}ÀL(Çvµ]vPZÇ}µ}µvoÁÇ}v]vµ8]vÀ]oo(µv}}Àoo}(Ç}µ]X}]v}Z]}}Ç}µ}µv.Á]ZZÆ}v}(]vUÁZ]Z]]}Ç}µ}µvLoov}v(}ZÇZÀv}XWo(}ZFunds Availability Policy(}u}]v(}u}v}vÁZvÁul(µvÀ]oo}Ç}µXDebits to your account are posted in the following order.&]UdDU]v}vU]vvov(UvÁ]v(posted in order from lowest amount to highest amount. Next, checks are posted from highest amount to lowest amount. Last, ACH Debits are posted from highest amount to lowest amount. PERSONAL ONLINE BANKING & BILL PAY dZÁ]oov}ZvP}Ç}µ]uW}voKvo]vvl]vP}]ooWÇUÁZ]ZuvÇ}µµvuvo}P]vvoÁ]oou]vZuXtZÀvZvÇ}µo]o]Á]Z]}vo}}vXz}µÁ]oov}o}P]vvrZ}}Ç}µov}.}vXWov}Z}µW}voKvo]vvl]vPÇuÁ]oou}]oÇµvÀ]oo(}uñWììWD}v&]ÇU]oíòZZ}µPZ^µvÇU]oíôZX PERSONAL MOBILE BANKING dZÁ]oov}ZvP}Ç}µ}vou}]ovl]vPo}P]v]v(}u}v}Æ]vXdZ]u}uuµv]ÇvlD}]oÁ]ooµ]vÇµ}vD}vÇ]oíõZXz}µÁ]oo}u}µZD}]o]}}o}PP]vP]vXWov}Z}µD}]ovl]vPÁ]oou}]oÇµvÀ]oo(}uñWììWD}v&]ÇU]oíòZZ}µPZ^µvÇU]oíôZX BUSINESS ONLINE BANKING & BILL PAY dZÁ]oov}ZvP}Ç}µ]uµ]vKvo]vvl]vP}]ooWÇuvo}P]vvoXz}µ}uvÇ/UhEuUvWÁ}Á]oooou]vZuX,vt]uoU}UvYµ]ls]Á(vÁ]oou]v]vXooÁ]v,}]P]vv}vÁ]oo}}oÇXdv}vvÇuvÀ]ÇZ]}ÇÁ]ooÆv}îðu}vZP}]vP(}ÁXoo]uµ]vKvo]vµZZÇuÁ]Zµ}ÁÁ]oov}}uovµ]}}o}PP]vP]v}vD}vÇ]oíõZXWov}Z}µµ]vKvo]vvl]vPÁ]oou}]oÇµvÀ]oo(}uñWììWD}v&]ÇU]oíòZZ}µPZ^µvÇU BUSINESS MOBILE BANKING dZÁ]oov}ZvP}Ç}µµ]vu}]ovl]vPo}P]v]v(}u}v}Æ]vXdZÁ]oovZv}}+&/(}}µv}]µ}uX]ooWÇÁ]oo]vP]v}Zu}]o(}ÇXdZ]uµ]vD}]oÁ]ooµ]vµ}Zu}vÀ]}vP]vv]vP}vD}vÇU]oíõZXµ}Z]vP}v}(}µÇuUu}]o}]]uPÁ]oov}À]ooXWov}Z}µµ]vD}]ovl]vPÁ]oou}]oÇµvÀ]oo(}uñWììWD}v&]ÇU]oíòZZ}µPZ^µvÇU]oíôZX Other Important Information (continued) dZ]vP}v}(ZÇuÁ]ooZÀv}]u}Ç}µ]}]X µ}Z]vP}v}(}µÇuU]vÁ]oo]vuvÁ]oovu]o}v]oíòZUÁZ]ZÁ]oo]voµoov}v(}Z]}}(]oíZ}µPZ]oíòZXZv}(Zu}vZÇ}µÁ]oo]ÀuvZÁ]oo}ÀZ]}}(]oíóZZ}µPZ]oïìZXdZuÇo]PZoÇ]v]vPZ]v]uuv}vo]vX'}]vP(}ÁÇ}µÁ]oo}vvµ}]ÀÇ}µ}µv}µvuvZv}(Zu}vZP]vv]vPÁ]ZZDÇîìîíuvXWoµo]Ì}µKvo]vvl]vPvD}]ovl]vP}Çµr}rÁ]ZÇ}µ}µvX /vv+}}À}µvÀ]}vuvUÇ}µ}vµuZl]vP}µvz}µuÇÀ]ÁU]vvÀZl]uPÇo}PP]vP]v}}vo]vvl]vPX /Z z}µÆ]vPÁ]oov}o}vP]Àu}vZoÇuvµÁ]oo]Àuµ]Çv}ïìÇ]}}uµ]ÇXÁ]ooµ}uooÇvÁ(}ZuuX/(Ç}µ}

8 µvuZZvP
µvuZZvPUZZvPÁ]ooG}vÇ}µuµ]Çv}X^À]vP/ZuvÁ]oovµoÇX dZÁ]oov}ZvP}Ç}µo}vUu}Çuvu}µvX/(Ç}µulo}vÇuvµ]vP,}µ}]UÇ}µÇuv}Á]oov}ZvPX/(Ç}µZÀvÇµ}vUoooµôììXïîíX/D~ïðòïX+ÀD}vÇU]oíîZUÇuvZZÀÀ]}µoÇvu]o}WK}ÆîòíôíU}}loÇvUEzííîìî}ïììuvWoÌtUôZG}}U}}loÇvUEz�}vK}vto}vv}µvZ]v]}v}}µÆv]Àu}PP}PuUÁo}}+]vP,}u��µ]Ç}vv]vUÁooW�}vo}vvµ}�}vX}vÇ}µo}ovZ(}u}]v(}u}v}oo dZÁ]oov}ZvP}Ç}µ^(}]}ÆPuv}uXz}µÁ]oo]ÀÇ}µvvµovÁov}ïìÇ]}}Ç}µvÁoXDµZÀKvo]vvl]vP}µD}]ovl]vPXµ]vW}voD}]ovl]vPÀ]oo(}ou}]oÀ]XD}]ovl]vP](À](}u]uX,}ÁÀUÇ}µu}]o]uÇZP(}vÆuPµPX íñíð ]v]}U}}U}Ç}µ}µv]v].}XdZ}]vÁZ]Zv}v}uÇ+Zvµu}(v}vZ}ÀÁÇ}µ}µv}Zµvµv]UÁoovÇ(Ç}µuÇµ]}Ç]vZÀvZZ]v}v}µPZu}vÇ]vÇ}µ}µv}Çoo}(Z]Z]À(}ÇuvXz}µvÀ}]}ÀL(Çvµ]vPZÇ}µ}µvoÁÇ}v]vµ8]vÀ]oo(µv}}Àoo}(Ç}µ]X}]v}Z]}}Ç}µ}µv.Á]ZZÆ}v}(]vUÁZ]Z]]}Ç}µ}µvLoov}v(}ZÇZÀv}XWo(}Z(}u}]v(}u}v}vÁZvÁul(µvÀ]oo}Ç}µX&]UdDU]v}vU]vvov(UvÁ]v( dZÁ]oov}ZvP}Ç}µ]uW}voKvo]vvl]vP}]ooWÇUÁZ]ZuvÇ}µµvuvo}P]vvoÁ]oou]vZuXtZÀvZvÇ}µo]o]Á]Z]}vo}}vXz}µÁ]oov}o}P]vvrZ}}Ç}µov}.}vXWov}Z}µW}voKvo]vvl]vPÇuÁ]oou}]oÇµvÀ]oo(}uñWììWD}v&]ÇU]oíòZZ}µPZ^µvÇU]oíôZX dZÁ]oov}ZvP}Ç}µ}vou}]ovl]vPo}P]v]v(}u}v}Æ]vXdZ]u}uuµv]ÇvlD}]oÁ]ooµ]vÇµ}vD}vÇ]oíõZXz}µÁ]oo}u}µZD}]o]}}o}PP]vP]vXWov}Z}µD}]ovl]vPÁ]oou}]oÇµvÀ]oo(}uñWììWD}v&]ÇU]oíòZZ}µPZ^µvÇU]oíôZX dZÁ]oov}ZvP}Ç}µ]uµ]vKvo]vvl]vP}]ooWÇuvo}P]vvoXz}µ}uvÇ/UhEuUvWÁ}Á]oooou]vZuX,vt]uoU}UvYµ]ls]Á(vÁ]oou]v]vXooÁ]v,}]P]vv}vÁ]oo}}oÇXdv}vvÇuvÀ]ÇZ]}ÇÁ]ooÆv}îðu}vZP}]vP(}ÁXoo]uµ]vKvo]vµZZÇuÁ]Zµ}ÁÁ]oov}}uovµ]}}o}PP]vP]v}vD}vÇ]oíõZXWov}Z}µµ]vKvo]vvl]vPÁ]oou}]oÇµvÀ]oo(}uñWììWD}v&]ÇU]oíòZZ}µPZ^µvÇU dZÁ]oov}ZvP}Ç}µµ]vu}]ovl]vPo}P]v]v(}u}v}Æ]vXdZÁ]oovZv}}+&/(}}µv}]µ}uX]ooWÇÁ]oo]vP]v}Zu}]o(}ÇXdZ]uµ]vD}]oÁ]ooµ]vµ}Zu}vÀ]}vP]vv]vP}vD}vÇU]oíõZXµ}Z]vP}v}(}µÇuUu}]o}]]uPÁ]oov}À]ooXWov}Z}µµ]vD}]ovl]vPÁ]oou}]oÇµvÀ]oo(}uñWììWD}v&]ÇU]oíòZZ}µPZ^µvÇU]oíôZX Other Important Information (continued) DIRECT DEPOSIT dZ]vP}v}(ZÇuÁ]ooZÀv}]u}Ç}µ]}]X ACCOUNT STATEMENTS µ}Z]vP}v}(}µÇuU]vÁ]oo]vuvÁ]oovu]o}v]oíòZUÁZ]ZÁ]oo]voµoov}v(}Z]}}(]oíZ}µPZ]oíòZXZv}(Zu}vZÇ}µÁ]oo]ÀuvZÁ]oo}ÀZ]

9 }}(]oíóZZ
}}(]oíóZZ}µPZ]oïìZXdZuÇo]PZoÇ]v]vPZ]v]uuv}vo]vX'}]vP(}ÁÇ}µÁ]oo}vvµ}]ÀÇ}µ}µv}µvuvZv}(Zu}vZP]vv]vPÁ]ZZDÇîìîíuvXWoµo]Ì}µKvo]vvl]vPvD}]ovl]vP}Çµr}rÁ]ZÇ}µ}µvX SAVINGS & SAVINGS TRADITIONAL IRA ACCOUNTS You will no longer receive a monthly statement for savings accounts. Savings account statements will be mailed at the end of each quarter. CHECK IMAGES /vv+}}À}µvÀ]}vuvUÇ}µ}vµuZl]vP}µvstatement will no longer include check images.z}µuÇÀ]ÁU]vvÀZl]uPÇo}PP]vP]v}}vo]vvl]vPX CERTIFICATE OF DEPOSITAND CD INDIVIDUAL RETIREMENT ACCOUNTS /Z z}µÆ]vPÁ]oov}o}vP]Àu}vZoÇuvµÁ]oo]Àuµ]Çv}ïìÇ]}}uµ]ÇXÁ]ooµ}uooÇvÁ(}ZuuX/(Ç}µ}µvuZZvPUZZvPÁ]ooG}vÇ}µuµ]Çv}X^À]vP/ZuvÁ]oovµoÇX LOAN INFORMATION dZÁ]oov}ZvP}Ç}µo}vUu}Çuvu}µvX/(Ç}µulo}vÇuvµ]vP,}µ}]UÇ}µÇuv}Á]oov}ZvPX/(Ç}µZÀvÇµ}vUoooµôììXïîíX/D~ïðòïX+ÀD}vÇU]oíîZUÇuvZZÀÀ]}µoÇvu]o}WK}ÆîòíôíU}}loÇvUEzííîìî}ïììuvWoÌtUôZG}}U}}loÇvUEz11201, should be mailed to:Dime Community Bank �}vK}v898 Veterans Memorial Highway, Suite 560 Hauppauge, NY 11788to}vv}µvZ]v]}v}}µÆv]Àu}PP}PuUÁo}}+]vP,}u��µ]Ç}vv]vUÁooW�}vo}vvµ}�}vX}vÇ}µo}ovZ(}u}]v(}u}v}oo SAFE DEPOSIT BOXES dZÁ]oov}ZvP}Ç}µ^(}]}ÆPuv}uXz}µÁ]oo]ÀÇ}µvvµovÁov}ïìÇ]}}Ç}µvÁoXDµZÀKvo]vvl]vP}µD}]ovl]vPXµ]vW}voD}]ovl]vPÀ]oo(}ou}]oÀ]XD}]ovl]vP](À](}u]uX,}ÁÀUÇ}µu}]o]uÇZP(}vÆuPµPX íóíò o}ÁÇ}µ}µvÀ](XÀZvPv}]v}oÆvÁ]oo+ÀD}vÇU]oíõUîìîíX Account Service Charge Disclosure Personal Account Maintenance Fees Wu]DD~ÀPÀ]ooovoZv¨îUñìì¨íñXììEKt}µv~ÀPÀ]ooovoZv¨îUñìì¨íñXììW}voZl]vP~ÀPÀ]ooovoZv¨íUñìì¨íîXììW}vo^À]vP}µv~ÀPÀ]ooovoZv¨ñìì¨ñXììhdD^À]vP~ÀPÀ]ooovoZv¨ñìì¨ñXììD]v}^À]vPNo Fee'vZl]vPNo Fee^oÀvP~ñì=µ}uNo Fee Non-Personal Account Maintenance Fees Zl]vPD]v]uµuÀP]oÇov(}µ}îñì/uu}vZWAbove $10,000Zl]vPD]v]uµuÀP]oÇov(}}Àîñì/uu}vZWAbove $20,000E}ÁWµo]&µvNo FeeE}ÁE}vrW}vo~ÀPÀ]ooovoZv¨îUñìì¨íñXììPremier MMA (average available balance less than $2,500)$15.00E}vrW}vo^À]vPNo Fee dDl]dv}v& E}vr]udu]vodv}vZouv&KÀv]PZo]ÀÇvÁlouv Safe Deposit Fees Direct Billing Fee Late Payment FeeLost Key FeeBreak Open Fee KÀL&~Zll,]vµ8]v}µv}oo¨ïñXììZµv}]lZ]u]oÇ.]ov&~LîvÇ}]}}v~}]Dµoo^]PvµZµ]~}µv^}WÇuvo}]v]À]Kvo]vvl]vP¨íñXìì�©}(W}Z][Zl.}(}]~]vZl /vÀ]Ç&~Líîu}vZ�P�o}vµolKZ©�}W}}l&WZ}}}]v(Æ~PW]v^uv}Ç~v}]uPZ]v/uPoÁ]Z]víìÇ~]u^µ]WµZ&^�À]PoWÇdZ]WÇ }oo}v /v}u]vPl}µP}]vP&}]PvZl}]&}]PvµvÇK }uKµP}]vP}u/v}u]vP&}]Pv/v}u]vP íóíò o}ÁÇ}µ}µvÀ](XÀZvPv}]v}oÆvÁ]oo+ÀD}vÇU]oíõUîìîíX Wu]DD~ÀPÀ]ooovoZv¨îUñìì¨íñXììEKt}µv~ÀPÀ]ooovoZv¨îUñìì¨íñXììW}voZl]vP~ÀPÀ]ooovoZv¨íUñìì¨íîXììW}vo^À]vP}µv~ÀPÀ]ooovoZv¨ñìì¨ñXììhdD^À]vP~ÀPÀ]ooovoZv¨ñìì¨ñXììD]v}^À]vP'vZl]vP^oÀvP~ñì=µ}u Zl]vPD]v]uµuÀP]oÇov(}µ}îñì/uu}vZWZl]vPD]v]uµuÀP]oÇov(}}

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o}ÁX ^Dszs��///dz &µv(}uZ}]u]v}vÁ]Z}v}(}µuo}ÇUo}v]]}]vÁ]v(}Ç}µ}µvÁ]ooÀ]oo}vZµ]vÇÁ]ÀZ}]X Eydszs��///dz &µv(}uZ(}oo}Á]vP}]À]oo}vZ.µ]vÇLZÇ}(Ç}µ}]W{hX^XdµÇZlZÇo}Ç}µ{ZlÁv}v]u}uuµv]Çvl/(Ç}µulZ}]]v}v}v}(}µuo}ÇU(µv(}uZ(}oo}Á]vP}]o}À]oo}vZ.µ]vÇLZÇ}(Ç}µ}]W{^vo}oP}ÀvuvZlZÇo}Ç}µ{Z][U.Uvoo[ZlZÇo}Ç}µ{&oZÀvlZlU&�o,}u}vvlZlUv}ou}vÇ}~](Z]uÇo}Ç}µX/(Ç}µ}v}ulÇ}µ}]]v}v}}v}(}µuo}Ç~(}ÆuoU](Ç}µu]oZ}]U(µv(}uZ}]Á]ooÀ]oo}vZ}vµ]vÇLZÇÁ]ÀÇ}µ}]X^]o}]o]À]ooµ}vµX oo}ZZl¨ñìì}vZ.µ]vÇLZZu]v]vP(µv}vZ}vµ]vÇLZÇ}(Ç}µ}] îïîî /(Ç}µooµ}ooÇUÁuÇµ]ZÇ}µvµÇ}µ}uo]v}µ}v]vÁ]vPÁ]Z]víìµ]vÇXtÁ]oou]vÁZZv}}µÁ]Z]víìµ]vÇLÁZ(}uÇ}µvÁ]oo}vÇ}}uoÇX/(Ávu}uUZ}ÁÀUÁuÇlµ}ðñÇ}]vÀPÇ}µ}uo]v}µ}vX/(Á]}}Z]UÁÁ]oo]Ç}µ}µvÁ]Z]víìµ]vÇ(}Zu}µvÇ}µZ]vl]]v}U}ZÇ}µÁ]ooZÀZµ}(Zu}vÇµ]vPZu]lµ}}uo}µ]vÀP}vX/(ÁlÇ}µ}µÇ}µ}uo]v}µ}v]vÁ]vPvÁ}v}]À]Á]Z]víìµ]vÇUÁuÇv}]Ç}µ}µvX&}}]vÀ}oÀ]vPvÁ}µvU}]vr}(roU}(}]Pvr]v]v}vUÁuÇlµ}õìÇ}]vÀPÇ}µ}uo]v}µ}vX&}vÁ}µvUÁuÇlµ}îìµ]vÇ}]Ç}µ}µv(}Zu}µvÇ}µZ]vl]]v}XtÁ]ooooÇ}µZµoÁ]Z]vZµ]vÇL}uovP}µ]vÀP}vX/(Á]ZZÁv}}UÁÁ]oovÇ}µÁ]©vÆov}vXz}µuÇl(}}]}(Z}µuvZÁµ]v}µ]vÀP}vX/(Ç}µZ]vlÇ}µuv}]]Á}vP}](Ç}µvu}]v(}u}v}µv(o]}vZuv}]UÁ]}ooµW©vWo}v]vl]vP EKEsh^'K&^^s/ dD]/(Ç}µ}v}µÇ}µdD](}]}}(}vÇUZÁ]ooÀvÁ]oov}o}vPÀo]X/(Ç}µ}v}µKvo]vvl]vP(}]}}(íôru}vZUÇ}µ}vo]vvl]vP}.ovµ/Á]ooÀX d}]]vvµ]vPÇ}µ}vo(ÇUÁZ]oµ]vPvµ}uoouZ]v~^dD_Uµ}uZ}µo}v]uo}Ç]vPZ(}oo}Á]vP(Çµ}vWdZÀ]Ç}(ZdD(]o]Ç]]vP}ÇµÀ]oovu~Xµ}uZ}µoo}ZvÇ}}}uooÇµ}vv]vPvÆ]vPZdD(]o]ÇXµ}uZ}µov}u]vÇµvlv}Áv}v}vZdD(]o]ÇLPµovl]vPZ}µXµ}uZ}µooÁ]ZÁvZµoÇµ}vZ]}v(}Æ]vPZdD(]o]ÇX}uo]v}vv]vPµ]ÇZdD(]o]ÇZ}µo]}Zvl[^µ]ÇuvôììXïîíX/D~ïðòï}ZEz^uv}(&]vv]o^À]~ôóóErEz^~ôóórîîòrñòõóX YOUR ABILITY TO WITHDRAW FUNDS Kµ}o]Ç]}oÇZÀ]o]o]Ç}((µv(}uÇ}µZvZl}]Xµ]vPZoÇUÇ}µuÇv}Á]ZÁZ(µv]vZvÁÁ]oov}µZ(µv}ÇZlZÇ}µZÀÁ]©vX DETERMINING THE AVAILABILITY OF A DEPOSIT dZovPZ}(ZoÇ]}µv]vµ]vÇ(}uZÇ}(Ç}µ}]XÀÇÇ]µ]vÇÆ^µÇU^µvÇUv(oZ}o]ÇXIf you make a deposit on a business day that we are open, we will consider that day to be the day of your deposit, except for Fridays. If you make a deposit before 3 P.M. on a Friday that we are open, we will }v]ZÇ}ZÇ}(Ç}µ}]X,}ÁÀU](Ç}µul}]LïWXDXon a Friday or on a day we are not open, we will consider that the deposit was made on the next business day we are open. dZovPZ}(ZoÇÀ]v]vP}vZÇ}(}]v]Æo]vo}ÁX ^Dszs��

16 ;///dz &µv(}u
;///dz &µv(}uZ}]u]v}vÁ]Z}v}(}µuo}ÇUo}v]]}]vÁ]v(}Ç}µ}µvÁ]ooÀ]oo}vZµ]vÇÁ]ÀZ}]X Eydszs��///dz &µv(}uZ(}oo}Á]vP}]À]oo}vZ.µ]vÇLZÇ}(Ç}µ}]W{hX^XdµÇZlZÇo}Ç}µ{ZlÁv}v]u}uuµv]Çvl/(Ç}µulZ}]]v}v}v}(}µuo}ÇU(µv(}uZ(}oo}Á]vP}]o}À]oo}vZ.µ]vÇLZÇ}(Ç}µ}]W{^vo}oP}ÀvuvZlZÇo}Ç}µ(if you use a special deposit slip available from our tellers*).{Z][U.Uvoo[ZlZÇo}Ç}µ(if you use a special deposit slip available from our tellers*).{&oZÀvlZlU&�o,}u}vvlZlUv}ou}vÇ}~](Z]uÇo}Ç}µX/(Ç}µ}v}ulÇ}µ}]]v}v}}v}(}µuo}Ç~(}ÆuoU](Ç}µu]oZ}]U(µv(}uZ}]Á]ooÀ]oo}vZ}vµ]vÇLZÇÁ]ÀÇ}µ}]X^]o}]o]À]ooµ}vµX ATM AND OTHER CHECK DEPOSITS:Funds Availability Policy Type of FundsDepositedWhen funds are availableWhen funds are available if a deposit is made on a Monday oo}ZZl¨ñìì}vZ.µ]vÇLZday of your depositTuesdayZu]v]vP(µv}vZ}vµ]vÇLZÇ}(Ç}µ}]Wednesday îñîð LONGER DELAYS MAY APPLY &µvÇ}µ}]ÇZluÇoÇ(}o}vP]}µvZ(}oo}Á]vP]µuvWto]ÀZlÇ}µ}]Á]oov}]Xz}µ}]Zl}o]vPu}Zv¨ñUñîñ}vvÇ}vÇXz}µ}]ZlZZvµvµv]Xz}µZÀ}ÀÁvÇ}µ}µvoÇ]vZo]Æu}vZXdZ]vuPvÇUµZ(]oµ}(}uµ}}uuµv]}vµ]uvXtÁ]oov}(ÇÇ}µ](ÁoÇÇ}µ]o]Ç}Á]ZÁ(µv(}vÇ}(Z}vUvÁÁ]ooooÇ}µÁZvZ(µvÁ]ooÀ]ooXdZÇÁ]ooPvooÇÀ]oov}oZvZÀvZµ]vÇLZÇ}(Ç}µ}]X SPECIAL RULES FOR NEW ACCOUNTS /(Ç}µvÁµ}uUZ(}oo}Á]vP]oµoÁ]oooÇµ]vPZ.ïìÇÇ}µ}µv]}vX&µv(}uZ}]u]v}vÁ]Z}v}(}µuo}ÇUo}v]]}]vÁ]v(}Ç}µ}µvÁ]ooÀ]oo}vZµ]vÇÁ]ÀZ}]X&µv(}uZ.¨ñUñîñ}(Ç[}o}]}(Z][U.Uoo[UÀo[Uv(oUvo}oP}ÀvuvZlÁ]ooÀ]oo}vZ.µ]vÇLZÇ}(Ç}µ}]](Z}]u]v}v]}vX&}ÆuoUZZluµÇo}Ç}µ~vÇ}µuÇZÀ}µ]o}]o]XdZÆ}À¨ñUñîñÁ]ooÀ]oo}vZÀvZµ]vÇLZÇ}(Ç}µ}]X/(Ç}µ}]}(ZZl~}ZZvhX^XdµÇZl]v}u]v}v}}v}(}µuo}ÇUZ.¨ñUñîñÁ]oov}À]ooµvoZ}vµ]vÇLZÇ}(Ç}µ}]X&µv(}uoo}ZZl}]U]voµ]vPZl}]uZdDUÁ]ooÀ]oo}vZ.LZµ]vÇLZÇ}(Ç}µ}]X CHANGES TO OUR POLICY /(vÇ}(Z}À}o]]}}µZvPU]}v}(ZZvPÁ]oov}Ç}µoïì~Z]ÇÇ(}]uouvvPZZvPX,}ÁÀU](ZZvPÆ]ZÀ]o]o]Ç}((µvUÁuÇ]o}µZZvPµ}ïì~Z]ÇÇL]uouv}v}(ZZvPX/(Ç}µZÀvÇµ}v}µZ]&µvÀ]o]o]ÇW}o]ÇUo}vÇ}µo}ovZXKt/d,zKhZ&]vv]o}uv]Z}}Z}ÁZÇZÇ}µ}vo]v(}u}vX&ooÁP]À}vµuZ]PZ}o]u]}uµv}ooZ]vPX&ooÁo}µ]µ}ooÇ}µZ}ÁÁ}ooUZUv}Ç}µ}vo]v(}u}vXWoZ]v}(µooÇdZÇ}(}vo]v(}u}vÁ}oovZv}vZ}µ}À]Ç}µZÀÁ]ZµXdZ]]v(}u}vv]voµW^}]o^µ]Çvµuv]v}uz}µ}µvovvÇuvZ]}Çz}µ]Z]}ÇvZl]vP}µv]v(}u}vtZvÇ}µv}o}vP}µµ}uUÁ}vvµ}ZÇ}µ]v(}u}v]oo.vv]o}uv]v}Zµ}u[}vo]v(}u}v}µvZ]ÀÇÇµ]vX/vZ}vo}ÁUÁo]Z}v.vv]o}uv]vZZ]

17 µ}u[}vo
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18 óîò Who we are tZ}]}À
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22 (µv]vÇ}µ}µv
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24 (µ vÇÁ]ZÁ
(µ vÇÁ]ZÁo}v(µÁZ]Z]P]vvµuZvZ(µvÇu]©U}ÁZ]Z](}vu}µvP}oZvvÇÁ]ZÁoo]u]}vXtÁ]ooµZZv}v}uoÇµ~}}}ZÇ}µ]v]]}oÇZ(µvÇo]u]}vX/v]}ÁuÇoo]u]}v}vZ}µvµvoÇ}µ]vÇ]À].XÀv](ÁZ}v}v}v}v(}u]vPµUÁv}µ]}}}oX/(Ç}µÀ]}oZv}vo]u]}v~](vÇU]v}µ]}vÁuÇo}Ç}µ}µv}o](Ç]}µvX/(Áo](ÇÇ}µ}µvUÇ}µ}µvÁ]ooµi}Z(vv]vPµovÁ}µvo].}vX/(ÁvÁ]Zv]uÁvP]vÇ}µ}µvZÁ}µo^µµZlU_.vÇoÁUµ(}v}}(]vZ]u]v}µ]vZµµZl}v}Ç}µPZÁuÇÇµZ]uX^Z(µvÀ]o]o]Ç}o]Ç]o}µ(}]v(}u}v}µÁZvÇ}µvÁ]ZÁ(µvÇ}µ}]X&}Z}}µv}ÁZ]Z}µ(µvÀ]o]o]Ç}o]Ç]o}µ}v}oÇUÇ}µµÁZvÇ}µul}]ÁZvZ}(µvÁ]ooÀ]oo(}Á]ZÁoXv]uuÇµvLZ(µv(}uZ}]}(Z]uuÀ]oo(}Á]ZÁoX/vZUÁÁ]oÀZ]}(Z]uXtuÇu]vZu}µv}(À]oo(µv]vÇ}µ}µv(}µ}}(]]vPÁZZ}µvv]u(}]vµ8]v(µvvÇuÁvZuÁ]ÀZ]uvÁZvÁµvZ]u}vv}]vo]µ}(µvXtv}voÇul}vu]v}vUµ](ÁZ}}}ulµµvu]v}vUZ}µvovZµµvuÁ]oou]vÁZZZ]vµ8]vÀ]oo(µvXdu}Ç]µZ}]Ì}v,}o+z}µ}µvovXKv]µZUuZvuÇµu}ÇZ}o}vÇ}µ}µv(}].µu}(u}vÇUÁZ]ZuÇu}ZvZµou}µv}(Ç}µµZXtZvZ]ZvU}µ}]vPÇuvv}u]vZZu}µv}(ZZ}oÆZµou}µv}(Ç}µµZXdZ]u}ÇZ}oUvZu}µvZP}Ç}µ}µvUÁ]ooÀvµooÇiµ}Zµou}µv}(Ç}µZUµ]uÇµ}ZÇ(}Ziµuv]uXhvoZiµuv]uUZu}µv}((µv]vÇ}µ}µvÀ]oo(}}Zv}vÁ]ooµÇZu}µv}(u}ÇZ}oX/(v}Zv}v]v(}Çuv]vvu}µvPZvZ(µvoLLZµ}v}(Zu}ÇZ}ou}µvUZv}vÁ]oov}vrµ8]v(µv~E^&v}v](Á}v}Ç]}v}ÀLv}v](Á}Ç]Xz}µÁ]ooZPvE^&}ÀL(}]vP}}µE^&}}ÀL(}o]ÇXz}µÁ]ooZPZ(Àv](Ç}µÁ}ZÀZµ8]v(µv]vÇ}µ}µv](Zu}µv}(ZZ}oZvµo}Zu}µv}(Ç}µµZXz}µZÀ¨íîì]vÇ}µ}µvXz}µÁ]Ç}µZ}vP}o]vµuX^]v]]µvoÁZZ.vo]ooÁ]ooUZP}v[}]vPÇu]uu]oÇµZ}o}vÇ}µ}µv]v].u}µvU(}ÆuoU¨ôìXKµ}]vPÇuµZ}]Ìu}ÇZ}o}vÇ}µ}µv]vZu}µv}(¨ôìUvZP}v[}]vPÇuµZ}]ÌÇ}µ}P]vµu]vPPXz}µ.ooÇ}µvlvZu}µv}(P}o]vÇ}µµZ]}voÇ¨ñìXKµ}]vPÇuZ}ÁZÇ}µZÀ¨ðì]vÇ}µ}µvÀ]oo(}}Zv}v~¨íîìr¨ôìA¨ðìÀvZ}µPZÇ}µÁ}µoZÀ¨óì]vÇ}µ}µvÀ]oo(}}Zv}v](Zu}µv}(Zu}ÇZ}oÁµo}Zu}µv}(Ç}µµZ~¨íîìr¨ñìA¨óìX�Uv}Zv}vÇ}µZÀµZ}]Ì]v(}Çuv(}uÇ}µ}µv]vZu}µv}(¨òì~Z]}µoZlÇ}µZÀÁ]©vUv}Z]v}vUv,]}vÇ}l]v}(ÇuvµXdZ]}Zv}v]v(}Zu}µv}(Zu}ÇZ}oiµ}Zu}µv}(Ç}µµZ~uuU]uÇlµ}ZÇ(}ZiµuvuXµZu}µv}(Z]}Zv}v]PZvZu}µv}µ}]vPÇZ}Á]À]oo]vÇ}µ}µvU}µÇuv}(Z]v}vÁ]ooµo]vv}ÀLvµZv}v

25 }ÀÁÇ}µ}
}ÀÁÇ}µ}µvÇ¨îìUÇ}µ}µvÁ]ooZ}ÀL(}(¨ïñ}]vP}}µ}ÀL(}o]ÇXz}µÁ]ooZPZ]¨ïñ(}]vP}}µ}o]ÇÀvZ}µPZÇ}µÁ}µoZÀZv}µPZu}vÇ]vÇ}µ}µv}}ÀZ¨òìv}v](Ç}µ}µvZ}voÇv]Zu}µv}(Ç}µµZZZvZu}µv}(Zu}ÇZ}o}](Zu}ÇZ}oZoÇviµ}Zµou}µv}(Ç}µµZX ïíïì KÀLXz}µµvvZÁuÇU}µ]}vUZ}v}Á]ZÁoµZ}ÀÁÇ}µ}µvX,}ÁÀUZ(ZÁuÇZ}v}Á]ZÁoµZ}ÀÁZ}µvov}v}}o]Pµ}}}oX^}Ç}µCANNOToÇ}vµ}Ç}ÀL}vÇ}µ}µvPo}(Z}Á(µvoÇ}µvÁZ]µuvÁZÀ]}ÀL}vÇ}µ}µv]vXtvZvP}µ}(Ç]vP}ÀL}vÇ}µ}µvÁ]Z}µv}}Ç}µXz}µvµ](ÁZÀ}Z}µvÀ]Zu]PZÀ]oo}Ç}µÁZÁ}uu]}Ç]vP}ÀLµv]v]µuvUµZv}ÀL}}vo]vr}(r]}ov}Á(µv(}uv}Z}µvÇ}µZÀÁ]ZµXz}µPZÁuÇZP((}}ÀLX&}}vµu}µvUÁÁ]oov}ZP((}}ÀLµÇdDÁ]ZÁo}}vru]v}v](Ç}µZÀv}}r]v}ZÀ]XtuÇµµµv}]U]voµ]vP]}]}(}]oµ]Ç}}ZP}Àvuvv.U}}ÀµZ}ÀLv}ÀL(XDµoo^]PvµUo}v]Zl}vÀ]}vUv^]u]odv}vXvo}v]Zl}vÀ]}vv}v]v}vÁZZl}]u]o]u]}vÀ]v}vo}v]v(.v]vZo}v]&µvdv(Pµo}vX/vZÇ}(v}vZZ}]u]o]u]]Zu}À(}u]µo}v~µv}P]Àvl}Ç}µXµoUÁZÀv}}}µv]Ç}À]ÁZZl}Æu]vZ]Pvµ}vZ]uXz}µPZU}ZvÇ]u}ÁZ]ZÁZÀv}}}µv]Ç}Æu]vZ]PvµUÇ}µÁ]ÀvÇµ]uv}(uµoo]PvµXE}}(t]ZÁoXtÀZ]PZ}µ]v}oZvóÇv}]vÁ]vP(}ZÁ]ZÁo(}uv]vr]vP}µv}ZZvu}]}uv}]U}(}uvÇ}ZÀ]vP}µv.vÇZPµo}vX~dZoÁµ]µ}ÀZ]]PZUµ]]}µPvo}o]Ç}µ]Xt]ZÁo(}uu}µv]}}uµ]Ç}]}}vÇv}]}uÇ]vuÇµi}voÇX^Ç}µv}}(voÇ(}oÇÁ]ZÁòXKÁvZ]}(}µvvv.]Ç]Pv}vXdZµooÇ}Z]}µvv]vP}vZ(}u}(}ÁvZ]vv.]Ç]Pv}vU](vÇU].}vZ}µv}Xtulv}v}v}Z}]v}+}(Z}ÁvZ]vv.]Ç]Pv}vUÆZÇu]v}ÁZ}uÁÇZ}µv(µvXIndividual Account.dZ]]v}µv]vZvu}(}v}vXJoint Account - With Survivorship (And Not As Tenants In Common). This is owned by two or more }vX}]vvÇ]}v}Z}µvZ}Ç}(Z}Ávi}]vvvÁ]]PZ}(µÀ]À}Z]XdZ]uvZÁuÇoZv}µv}vÇ}Ávµ]vPZo](}(oo}ÁvXtuÇZ}v}Á]ZÁoµ~]voµ]vPZl(}uvÇ}Ávµ]vPZo](u}(oo}ÁvXtuÇµ]}ou}vÇ]vZ}µv}(ÇiµPuvP]v}}Ào]]vµÇvÇ}ÁvXtuÇZ}v}Á]ZÁoµ~]voµ]vPZl(}uvÇµÀ]À]vP}ÁvLZZ}(vÇ}ÁvUvuÇZ}µvZ}o}Ç}(ZµÀ]À]vP}Áv~Xhvov}Áv]µÇÁ]©vv}v}}Z}v}ZÁ]ZÁoµ~]voµ]vPZl}(v}ÁvÁÁ]oov}o]o(}}]vP}XLÁ]ÀµZv}UÁuÇµ]Á]©vµZ}]Ì}v}(vÇ}ooi}]v}Áv(}vÇ(µZÇuv}o]À]XJoint Account - No Survivorship(As Tenants In Common)XdZ]]}ÁvÇÁ}}u}}vUµv}v}(Ç}µ]vv~uoÇÇ}v]vPZ]}µv}vÇ]PZ}(µÀ]À}Z]]vvÇ}Z}vXtv}µPÇ}µ}Pvooµ]vÁ]vP}(ZvP}(Z}]}v]µÇZ}(Ç}µXdZ]]v(}u}vÁ]oov}UZ}ÁÀU+Z^vµu}(]Pvµ_vÇ(}Á]

26 ZÁoXConvenience Account.'
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27 vÇ}µ}vvµZ
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28 PÇ}µ}Pv
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29 }]vvU](Á
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34 ZPÇ}µ(}ooZ
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35 µ}vUoÀÇUPv]Z
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36 uvXdZµ}u
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37 8]v(µv}Ç
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38 Z}µPZZµ}(
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39 Z]}v}(}
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