Disclosures

Checking Accounts

General

Debit cards may be used in place of a check at any merchant who accepts Visa.

Other fees such as non-sufficient funds, overdraft, Returned Item, automatic Overdraft charges, etc. may apply. The overdraft fee applies to overdrafts "created by check, in-person withdrawal, ATM withdrawal, or other electronic means," as applicable. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. Minimum opening deposit is only $50. If Kasasa qualifications are not met for 3 consecutive months, the account may be converted to another checking product. Ask us for details. Bank rules and regulations apply.

Overdraft Protection

We offer EZ Pay Overdraft protection to pay overdrafts on your checking account should you become inadvertently overdrawn. 1.) A $35 automatic Overdraft fee may be assessed for each item that draws your account negative. 2.) Overdrafts may be paid utilizing your EZ Pay Protection funds up to the limits for the following types of transactions: POS/Debit Card Transactions, ATM Withdrawals, Online Banking, Electronic Transactions, Bill Pay, and Checks. 3.) You then have up to 30 days to bring the account current, either through a direct deposit, transfer of funds, or a deposit at one of our branches. 4.) If the account has been open at least 60 days and maintained in good standing defined as A) Making regular deposits sufficient to cover transactions; B) Bringing the account to a positive balance at least once every thirty days or less and C) There are no legal orders outstanding on your account, we may, at our sole discretion, pay overdrafts up to the limits mentioned above, including our normal Non-Sufficient Funds or authorized overdraft charge(s). 5.) To obtain this protection for your qualified checking account, see a Customer Service Representative at one of our convenient locations and sign our EZ Pay Protection Overdraft Service Disclosure authorizing EZ Pay Protection on your account.

(Effective July 1, 2010: All ATM and POS/debit card transactions will need to be opted in to continue receiving coverage through our EZ Pay Protection service.)

You may opt-out of this service any time by contacting a customer Service Representative at any of our convenient locations.

Qualification Information for Kasasa Accounts

Qualifications vary by account. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, and purchases made with debit cards not issued by our bank. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive one of the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: (1) Interest on your checking balances (Kasasa Cash), (2) Cash back on debit card purchases (Kasasa Cash Back). In addition, you will receive reimbursements up to $15 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a monthly qualification cycle are not considered qualifying transactions as they do not reflect normal day-to-day spending behavior. For example, five debit card transactions, each for a dollar, conducted at a convenience store, two days before the end of the cycle period would not be considered by our institution as normal day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the accounts rewards and thus will be deemed inappropriate transactions and will not count toward earning the accounts reward. Depending on your Kasasa account, when your qualifications are not met, only non-qualifying interest is earned, other reward distributions are not made and ATM fees are not refunded. Account rewards and ATM fee reimbursements will be credited to your Kasasa account on the last day of the statement cycle. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account's qualifications. There are no recurring monthly service charges or fees to open this account. Limit 1 (one) account per social security number. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Third party message and data rates may apply. Kasasa is a trademark of BancVue Ltd., registered in the U.S.A. Member FDIC.

Kasasa – How to Earn Your Rewards

To earn your rewards, we just ask you to do a few simple things during your Monthly Qualification Cycle:

Have 12 debit card transactions post and settle to your account during the monthly qualification cycle.
Sign up and enroll in online banking (*Must log into online banking at least once a month).
Sign up and receive eStatements.
Have an ACH debit or credit to this account.
If you don't qualify, the account is still free, and you'll receive 0.01% Annual Percentage Rate (APR)/Annual Percentage Yield (APY) on your account and you can try again next month!
If Kasasa qualifications are not met in three consecutive months, the account may be converted to another checking account product.

For Business Checking Accounts

Other fees such as non-sufficient funds, overdraft, etc. may apply. See fee schedule for details. Transaction items include all debits and credits. If the Century Business Checking or Business Interest account exceeds 1,000 free monthly transactions, the account may be converted to another checking product. If the Century Business Checking or Business Interest account exceeds $10,000 in monthly coin and currency deposits, the account may be converted to another checking product. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply.

Savings Accounts

Special Note Applicable to ALL Savings Accounts

Frequency of Rate Change: We may change the interest rate and annual percentage yield on this account at any time without prior notification to you on any of these accounts.
Compounding and Crediting: Interest will be credited and compounded to your account on a quarterly basis. Interest begins to accrue no later than the business day credit is received for the deposit and non-cash items (for example, checks). If the account is closed before the interest has been credited, you will not receive the accrued interest.
Balance Computation Method: The daily balance is used to calculate the interest on the account. This method applies a daily periodic rate to the collected balance in the account each day.

For Savings and Money Market Accounts

Transfers may be pre-authorized, automatic, telephone, telephone banking, bill pay, internet banking, or may be made by check, draft, debit card, check card or similar order made by the depositor and payable to a third party (provided such transactions are allowed by us for your particular type of account).

For savings account, a fee of $3.00 will be imposed for each debit over (6) six in each (4) four week or similar period.
On Money Market accounts, a $10 fee will assessed for each withdrawal from the account over (6) six per month or statement cycle

Personal Credit Cards

Interest Rates & Interest Charges

Interest Rates & Interest Charges	Visa®
Annual Percentage Rate (APR) for Purchases	14.88% FIXED
APR for Cash Advances	14.88% FIXED
Penalty APR and When it Applies	None
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases if you pay your entire balance by the due date. We will begin charging interest on cash advances on the transaction date. We do not offer balance transfers.
Minimum Interest Charge	None
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when using a credit card, visit the website of the Federal Reserve Board

Fees

Fees	Visa®
Annual Fee	None
Transaction Fees
- Cash Advances	None
- Foreign Transaction	1%
Penalty Fees
- Late Payment	Up to $25.00
- Over-the-Credit-Limit	None
- Returned Payment	Up to $25.00
Other Fees
- Pay by Phone Fee	$10.00

General Terms

Personal Finance End User License Agreement and Disclosures

This End User License Agreement and Disclosures contains the terms and conditions for your use of Century Bank and FIS Personal Finance tools and services that we may provide to you and that involve accessing third party account information ("Services"). Hereinafter "us," "we," "our," or "Financial Institution" refers to Century Bank.

Provide Accurate Information. You represent and agree that all information you provide to us in connection with the Services is accurate, current, and complete. You agree not to misrepresent your identity or account information. You agree to keep account information secure, up to date and accurate. You represent that you are a legal owner, or an authorized user, of the accounts at third party sites which you include or access through the Services, and that you have the authority to (i) designate us and our service providers as your agent, (ii) use the Services, and (iii) give us and our service providers the passwords, usernames, and all other information you provide.
Content You Provide. Your use of the Services is your authorization for Financial Institution or its service providers, as your agent, to access third party sites which you designate in order to retrieve information. You are licensing to Financial Institution and its service providers any information, data, passwords, usernames, PINS, personally identifiable information, or other content you provide through the Services. You authorize us or our service providers to use any information, data, passwords, usernames, PINS, personally identifiable information, or other content you provide through the Services or that we or our service providers retrieve on your behalf for purposes of providing the Services, to offer products and services, and for other permissible business purposes. Except as otherwise provided herein, we or our service providers may store, use, change, or display such information or create new content using such information.
Power of Attorney. You grant Financial Institution and its service providers a limited power of attorney as provided below to access information at third party sites on your behalf. Third party sites shall be entitled to rely on the authorizations, agency, and the power of attorney granted by you or through your account. For all purposes hereof, you hereby grant Financial Institution and its service providers a limited power of attorney, and you hereby appoint them as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, in any and all capacities, to access third party sites to retrieve information, use such information, as described herein, with the full power and authority to do and perform each and every act and thing required and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. You understand and agree that the Services are not sponsored or endorsed by any third-party site. YOU ACKNOWLEDGE AND AGREE THAT WHEN FINANCIAL INSTITUTION OR ITS SERVICE PROVIDERS ACCESS AND RETRIEVE INFORMATION FROM THIRD PARTY SITES, THEY ARE ACTING AS YOUR AGENT, AND NOT AS THE AGENT OR ON BEHALF OF THE THIRD-PARTY SITES.
Third Party Accounts. With respect to any third-party sites, we may enable you to access through the Services or with respect to any non-Century Bank accounts you include in the Services, you agree to the following:
1. You are responsible for all fees charged by the third party in connection with any non-Century Bank accounts and transactions. You agree to comply with the terms and conditions of those accounts and agree that this User agreement does not amend any of those terms and conditions. If you have a dispute or question about any transaction on a non-Century Bank account, you agree to direct these to the account provider.
2. Any links to third party sites that we may provide are for your convenience only, and Financial Institution and its service providers do not sponsor or endorse those sites. Any third-party services, which you may be able to access through the Services, are services of the listed institutions. We nor our service providers have responsibility for any transactions and inquiries you initiate at third party sites. The third-party sites you select are solely responsible for their services to you. We nor our service providers are liable for any damages or costs of any type arising out of or in any way connected with your use of the services of those third parties.
Limitations of Services. When using the Services, you may incur technical or other difficulties. We nor our service providers are responsible for any technical or other difficulties or any resulting damages that you may incur. Any information displayed or provided as part of the Services is for informational purposes only, may not reflect your most recent transactions, and should not be relied on for transactional purposes. We and our service providers reserve the right to change, suspend or discontinue any or all of the Services at any time without prior notice.
Acceptance of User Agreement and Changes. Your use of the Services constitutes your acceptance of this User agreement. This User agreement is subject to change from time to time. We will notify you of any material change via e-mail or on our website by providing a link to the revised User agreement. Your continued use will indicate your acceptance of the revised User agreement. The licenses, user obligations, and authorizations described herein are ongoing.
Aggregated Data. Anonymous, aggregate information, comprising financial account balances, other financial account data, or other available data that is collected through your use of the Services may be used by us and our service providers to conduct certain analytical research, performance tracking and benchmarking. Our service providers may publish summary or aggregate results relating to metrics comprised of research data, from time to time, and distribute or license such anonymous, aggregated research data for any purpose, including but not limited to helping to improve products and services and assisting in troubleshooting and technical support. Your personally identifiable information will not be shared with or sold to third parties.
You agree that Financial Institution and its service providers, as applicable, retain all ownership and proprietary rights in the Services, associated content, technology, mobile applications, and websites.
User Conduct. You agree not to use the Services or the content or information delivered through the Services in any way that would: (a) be fraudulent or involve the sale of counterfeit or stolen items, including but not limited to use of the Services to impersonate another person or entity; (b) violate any law, statute, ordinance or regulation (including without limitation those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (c) create liability for Financial Institution or its service provider or cause Financial Institution to lose the services of our service providers; (d) access the information and content programmatically by macro or other automated means; or (e) use the Services in such a manner as to gain unauthorized entry or access to computer systems.
You agree to defend, indemnify and hold harmless Financial Institution, its third party service providers and their officers, directors, employees and agents from and against any and all third party claims, liabilities, damages, losses or expenses, including settlement amounts and reasonable attorneys' fees and costs, arising out of or in any way connected with your access to or use of the Services, your violation of these terms or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.
The Services are not intended to provide legal, tax or financial advice. The Services, or certain portions and/or functionalities thereof, are provided as strictly educational in nature and are provided with the understanding that neither Financial Institution nor its third-party providers are engaged in rendering accounting, investment, tax, legal, or other professional services. If legal or other professional advice, including financial, is required, the services of a competent professional person should be sought. Financial Institution and its third-party providers specifically disclaim any liability, loss, or risk which is incurred as consequence, directly or indirectly, of the use and application of any of the content on this site. Further, Financial Institution and its third-party providers are not responsible for any investment decisions or any damages or other losses resulting from decisions that arise in any way from the use of the Services or any materials or information accessible through it. Past performance does not guarantee future results. Financial Institution and its third-party providers do not warrant that the Services comply with the requirements of the FINRA or those of any other organization anywhere in the world.
DISCLAIMER OF WARRANTIES. YOU AGREE YOUR USE OF THE SERVICES AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE AND OUR SERVICE PROVIDERS DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE AND OUR SERVICE PROVIDERS MAKE NO WARRANTY THAT THE SERVICES (i) WILL MEET YOUR REQUIREMENTS, (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE SERVICES WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS, OR (v) ANY ERRORS IN THE SERVICES OR TECHNOLOGY WILL BE CORRECTED. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM FINANCIAL INSTITUTION OR ITS SERVICE PROVIDERS THROUGH OR FROM THE SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
LIMITATION OF LIABILITY. YOU AGREE THAT FINANCIAL INSTITUTION AND ITS THIRD PARTY SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM (i) THE USE OR THE INABILITY TO USE THE SERVICES AT OUR WEBSITE/MOBILE APPLICATION OR OF ANY THIRD PARTY ACCOUNT PROVIDER'S WEBSITE/MOBILE APPLICATION; (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES, (iii) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE SERVICES, (iv) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSION OR DATA, (v) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICES, (vi) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES, OR (vii) ANY OTHER MATTER RELATING TO THE SERVICES.
Export Restrictions. You acknowledge that the Services and any software underlying such Services are subject to the U.S. Export Administration Regulations (15 CFR, Chapter VII) and that you will comply with these regulations. You will not export or re-export the software or Services, directly or indirectly, to: (1) any countries that are subject to U.S. export restrictions; (2) any end user who has been prohibited from participating in U.S. export transactions by any federal agency of the U.S. government; or (3) any end user who you know or have reason to know will utilize them in the design, development or production of nuclear, chemical or biological weapons. You further acknowledge that the Services may include technical data subject to export and re-export restrictions imposed by U.S. law.
Other Terms. You may not assign this User agreement. A determination that any provision of this User agreement is unenforceable or invalid shall not render any other provision of this User agreement unenforceable or invalid.