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... 11 ACCOUNT LIMITATIONS... 16 ADDITIONAL TERMS AND CONDITIONS... 17 PERIODIC STATEMENT AND NOTICE RESPONSIBILITIES... 23 CUSTOMER RESPONSIBILITIES AND LIMITS ON TIME TO ASSERT CLAIMS... 25 RIGHT OF SHOFF AND SECURITY INTEREST... 25 RESOLVING ACCOUNT DISPUTES AND ADVERSE CLAIMS... 26 RETURNED ITEM TRANSACTIONS... 26 INSUFFICIENT FUNDS AND OVERDRAFTS... 27 PROCESSING AND POSTING ORDERS... 29 FAX/EMAILJVOICEMAIL INSTRUCTIONS... 30 TELEPHONE AND ELECTRONIC COMMUNICATION RECORDING AND MONITORING... 30 LIMITATION ON LIABILITY... 31 DORMANT ACCOUNTS AND ESCHEATMENT... 31 CLOSING OR SUSPENDING ACCOUNTS... 32 DOCUMENT RETENTION... 33 LEGAL PROCESS... 33 DEATH OR ADJUDICATION OF INCOMPETENCE... 33 TAXPAYER IDENTIFICATION NUMBER AND INFORMATION REPORTING... 34 COMPLIANCE WITH LAWS, RULES AND REGULATIONS... 34 NOTICES... 35 FUNDS AVAILABILITY POLICY... 36 TRUNCATION AND OTHER CHECK IMAGES... 37 REMOTELY CREATED CHECKS... 38 ELECTRONIC FUNDS TRANSFER DISCLOSURE... 38 2 Farmers & Merchants Bank
INDIVIDUAL ACCOUNT JOINT ACCOUNT FIDUCIARY ACCOUNT PAYABLE ON DEATH (POD) ACCOUNT DOCUMENTED TRUST ACCOUNT (FORMAL TRUST)
UNIFORM TRANSFERS TO MINORS ACT ACCOUNT BUSINESS ACCOUNT SOLE PROPRIETORSHIP ACCOUNT FICTITIOUS BUSINESS NAME ACCOUNT CORPORATION ACCOUNT
LIMITED LIABILITY COMPANY ACCOUNT PARTNERSHIP ACCOUNT ATTORNEY-CLIENT TRUST ACCOUNT POWER OF ATTORNEY AUTHORIZED SIGNERS
TRANSFER OF OWNERSHIP SIGNATURE CARD AND AUTHORIZED SIGNERS BUSINESS ENTITY AND SIGNING AUTHORITY
CHOICE OF LAW INTEREST ON DEPOSITED FUNDS BUSINESS DAYS CUT-OFF HOURS DEPOSITS AND CREDITS TO ACCOUNTS
DEPOSIT AND DISCREPANCY ADJUSTMENTS FEES
FOREIGN TRANSACTION COLLECTION OF ITEMS WITHDRAWALS
DEPOSIT LIMITATIONS MARKET RATE MONEY MARKET AND SAVINGS ACCOUNTS
MARKET RATE CERTIFICATE OF DEPOSIT CHECK CASHING ENDORSEMENTS
THIRD-PARTY ENDORSEMENTS SAMPLE SIGNATURES RESTRICTIVE LEGENDS FOR SIGNATURE OR ENDORSEMENTS
FACSIMILE OR MECHANICAL SIGNATURES BANK REVIEW OF CHECKS AND SIGNATURES
DISCLOSING ACCOUNT INFORMATION CHECK ORDERS AND FORMS PRINTING DIRECT DEPOSIT/PREAUTHORIZED WITHDRAWALS PAYMENT FOR PHOTOCOPIES
STOP PAYMENT ORDERS CHANGE OF ADDRESS, NAME OR AUTHORIZED SIGNERS
SAFEGUARDING CHECKS POST-DATED, STALE DATED AND OTHER CHECKS
DUTY TO REVIEW STATEMENTS; UNAUTHORIZED TRANSACTIONS
DELIVERING/MAILING STATEMENTS AND NOTICES
DO NOT OVERDRAW YOUR ACCOUNT WHEN OVERDRAFT OCCURS
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
OVERDRAFT LIABILITY AND RELATED FEES
o o o o
AVAILABILITY TO WITHDRAW FUNDS
HOLDS ON OTHER FUNDS (OTHER ACCOUNTS) HOLDS ON OTHER FUNDS (CHECK CASHING) SPECIAL RULES FOR NEW ACCOUNTS
DEBIT CARDS
USING YOUR DEBIT CARD AND PIN ELECTRONIC CHECK CONVERSION DEDUCTIONS FROM YOUR ACCOUNT
HEALTH SAVINGS ACCOUNT AND MEDICAL EXPENSE TRANSACTIONS DEBIT OR CREDIT PROMPTS AT TERMINALS FOREIGN EXCHANGE TRANSACTIONS REFUND ON PURCHASES
DISPUTE WITH MERCHANTS CUT-OFF TIME FOR ELECTRONIC TRANSACTIONS LIMITATIONS GENERALLY LIMITATION ON FREQUENCY AND TYPE OF TRANSFER LIMITATION ON DOLLAR AMOUNTS OF TRANSACTION
CARD AND PIN SECURITY FEE CHARGES (INCLUDING ATM FEES) TRANSACTION RECEIPT PERIODIC STATEMENTS PREAUTHORIZED CREDITS
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
CONTACT IN THE EVENT OF UNAUTHORIZED TRANSFER CONSUMER LIABILITY
MASTERCARD ZERO LIABILITY POLICY ERRORS OR QUESTIONS CHANGES IN TERMS/TERMINATION OF SERVICE
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
ALERTS MANAGEMENT YOUR INFORMATION
FRAUD NOTIFICATION STOP, MODIFY AND RE-ENROLL
FEES FOR ALERTS COMPATIBILITY TEXT MESSAGE SECURITY LIMITATIONS FOR ALERTS RELATIONSHIP TO THIRD PARTIES
THIRD-PARTY PRIVACY QUESTIONS o o o