TABLE OF CONTENTS. 2 Farmers & Merchants Bank

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2 TABLE OF CONTENTS INTRODUCTION... 4 HEADING TERMS... 6 FDIC INSURANCE... 6 LARGE CASH TRANSACTION... 6 CASH REPORTING REQUIREMENT... 6 CUSTOMER IDENTIFICATION FOR OPENING A NEW ACCOUNT... 7 PROVIDING PERSONAL AND FINANCIAL INFORMATION... 7 CREDIT VERIFICATION... 7 ACCOUNT STRUCTURE... 7 OWNERSHIP OF ACCOUNTS... 8 GENERAL TERMS ACCOUNT LIMITATIONS ADDITIONAL TERMS AND CONDITIONS PERIODIC STATEMENT AND NOTICE RESPONSIBILITIES CUSTOMER RESPONSIBILITIES AND LIMITS ON TIME TO ASSERT CLAIMS RIGHT OF SHOFF AND SECURITY INTEREST RESOLVING ACCOUNT DISPUTES AND ADVERSE CLAIMS RETURNED ITEM TRANSACTIONS INSUFFICIENT FUNDS AND OVERDRAFTS PROCESSING AND POSTING ORDERS FAX/ JVOIC INSTRUCTIONS TELEPHONE AND ELECTRONIC COMMUNICATION RECORDING AND MONITORING LIMITATION ON LIABILITY DORMANT ACCOUNTS AND ESCHEATMENT CLOSING OR SUSPENDING ACCOUNTS DOCUMENT RETENTION LEGAL PROCESS DEATH OR ADJUDICATION OF INCOMPETENCE TAXPAYER IDENTIFICATION NUMBER AND INFORMATION REPORTING COMPLIANCE WITH LAWS, RULES AND REGULATIONS NOTICES FUNDS AVAILABILITY POLICY TRUNCATION AND OTHER CHECK IMAGES REMOTELY CREATED CHECKS ELECTRONIC FUNDS TRANSFER DISCLOSURE Farmers & Merchants Bank

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8 INDIVIDUAL ACCOUNT JOINT ACCOUNT FIDUCIARY ACCOUNT PAYABLE ON DEATH (POD) ACCOUNT DOCUMENTED TRUST ACCOUNT (FORMAL TRUST)

9 UNIFORM TRANSFERS TO MINORS ACT ACCOUNT BUSINESS ACCOUNT SOLE PROPRIETORSHIP ACCOUNT FICTITIOUS BUSINESS NAME ACCOUNT CORPORATION ACCOUNT

10 LIMITED LIABILITY COMPANY ACCOUNT PARTNERSHIP ACCOUNT ATTORNEY-CLIENT TRUST ACCOUNT POWER OF ATTORNEY AUTHORIZED SIGNERS

11 TRANSFER OF OWNERSHIP SIGNATURE CARD AND AUTHORIZED SIGNERS BUSINESS ENTITY AND SIGNING AUTHORITY

12 CHOICE OF LAW INTEREST ON DEPOSITED FUNDS BUSINESS DAYS CUT-OFF HOURS DEPOSITS AND CREDITS TO ACCOUNTS

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14 DEPOSIT AND DISCREPANCY ADJUSTMENTS FEES

15 FOREIGN TRANSACTION COLLECTION OF ITEMS WITHDRAWALS

16 DEPOSIT LIMITATIONS MARKET RATE MONEY MARKET AND SAVINGS ACCOUNTS

17 MARKET RATE CERTIFICATE OF DEPOSIT CHECK CASHING ENDORSEMENTS

18 THIRD-PARTY ENDORSEMENTS SAMPLE SIGNATURES RESTRICTIVE LEGENDS FOR SIGNATURE OR ENDORSEMENTS

19 FACSIMILE OR MECHANICAL SIGNATURES BANK REVIEW OF CHECKS AND SIGNATURES

20 DISCLOSING ACCOUNT INFORMATION CHECK ORDERS AND FORMS PRINTING DIRECT DEPOSIT/PREAUTHORIZED WITHDRAWALS PAYMENT FOR PHOTOCOPIES

21 STOP PAYMENT ORDERS CHANGE OF ADDRESS, NAME OR AUTHORIZED SIGNERS

22 SAFEGUARDING CHECKS POST-DATED, STALE DATED AND OTHER CHECKS

23 DUTY TO REVIEW STATEMENTS; UNAUTHORIZED TRANSACTIONS

24 DELIVERING/MAILING STATEMENTS AND NOTICES

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27 DO NOT OVERDRAW YOUR ACCOUNT WHEN OVERDRAFT OCCURS

28 WHAT HAPPENS WHEN YOUR ACCOUNT HAS INSUFFICIENT FUNDS OUR STANDARD OVERDRAFT PRACTICES OVERDRAFT PROTECTION OPTIONS (PERSONAL ACCOUNTS) OVERDRAFT PROTECTION PRACTICES (BUSINESS ACCOUNTS) ADDITIONAL INFORMATION CONCERNING OVERDRAFT PROGRAMS

29 OVERDRAFT LIABILITY AND RELATED FEES

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36 AVAILABILITY TO WITHDRAW FUNDS

37 HOLDS ON OTHER FUNDS (OTHER ACCOUNTS) HOLDS ON OTHER FUNDS (CHECK CASHING) SPECIAL RULES FOR NEW ACCOUNTS

38 DEBIT CARDS

39 USING YOUR DEBIT CARD AND PIN ELECTRONIC CHECK CONVERSION DEDUCTIONS FROM YOUR ACCOUNT

40 HEALTH SAVINGS ACCOUNT AND MEDICAL EXPENSE TRANSACTIONS DEBIT OR CREDIT PROMPTS AT TERMINALS FOREIGN EXCHANGE TRANSACTIONS REFUND ON PURCHASES

41 DISPUTE WITH MERCHANTS CUT-OFF TIME FOR ELECTRONIC TRANSACTIONS LIMITATIONS GENERALLY LIMITATION ON FREQUENCY AND TYPE OF TRANSFER LIMITATION ON DOLLAR AMOUNTS OF TRANSACTION

42 CARD AND PIN SECURITY FEE CHARGES (INCLUDING ATM FEES) TRANSACTION RECEIPT PERIODIC STATEMENTS PREAUTHORIZED CREDITS

43 PREAUTHORIZED PAYMENTS NOTICE OF VARYING AMOUNTS LIABILITY FOR FAILURE TO STOP PAYMENT OF PREAUTHORIZATION TRANSFER STOP PAYMENT ON THIRD-PARTY ELECTRONICALLY PRESENTED PAYMENTS OUR LIABILITY

44 CONTACT IN THE EVENT OF UNAUTHORIZED TRANSFER CONSUMER LIABILITY

45 MASTERCARD ZERO LIABILITY POLICY ERRORS OR QUESTIONS CHANGES IN TERMS/TERMINATION OF SERVICE

46 DEDUCTIONS FROM COMPANY S ACCOUNT ATM AND POS TRANSACTIONS BUSINESS DEBIT CARD LIMITATIONS ON DOLLAR AMOUNTS OF TRANSFERS COMPANY S REPRESENTATIONS AND WARRANTIES COMPANY S LIABILITY

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48 ALERTS MANAGEMENT YOUR INFORMATION

49 FRAUD NOTIFICATION STOP, MODIFY AND RE-ENROLL

50 FEES FOR ALERTS COMPATIBILITY TEXT MESSAGE SECURITY LIMITATIONS FOR ALERTS RELATIONSHIP TO THIRD PARTIES

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