Bridgehampton National Bank 2200 Montauk Highway P.O. Box 3005 Bridgehampton, NY 11932 855.702.8344 www.bridgenb.com IMPORTANT INFORMATION ABOUT YOUR NEW BNB DEBIT MASTERCARD® January 27, 2014 Welcome to Bridgehampton National Bank. Enclosed is your new BNB Debit MasterCard® and BNB Debit MasterCard® Agreement (see reverse). Your Personal Identification Number (PIN) will be mailed separately on January 29, 2014. Your new BNB Debit MasterCard® allows: • Purchases at participating merchant locations that accept MasterCard® for up to $1,500 per day. • ATM Withdrawals up to $600.00 per day. • A combined daily (purchase and ATM withdrawal) limit of $1,500 per day. • A Rewards program. Sign up for our Rewards Program at www.uchooserewards.com. • Surcharge free at BNB’s ATMs –see our website for a complete listing. Please refer to the Account Service Charge Disclosure and the Electronic Funds Transfer Rights and Responsibilities you received in your January 14th Welcome Package for all limitations and fees that may apply. If you currently have a First National Bank of New York (FNBNY) ATM only card you will receive a BNB Debit MasterCard® with the features described above. Access to savings accounts attached to your BNB Debit MasterCard® will only be available as an ATM transaction. Your new BNB Debit MasterCard® will be eligible for use on Friday, February 14, 2014, after 5:00pm. You must activate your card at an ATM 1 by using your new PIN. TO ACTIVATE YOUR CARD: On February 14th, after 5:00pm, through February 17th, you may activate your new card at any ATM by doing a withdrawal transaction. Balance inquiry will NOT be available until February 18th. • On or after February 18th, you may activate your card at any ATM by doing a balance inquiry, transfer, or withdrawal. Important Note: Your current FNBNY Visa® ATM/ Debit Card will no longer be valid as of February 18, 2014. Please cut it up and discard it after that date. If you currently have automatic EFT transaction(s) being deducted from your FNBNY account using your FNBNY Visa® Debit Card number, please arrange to have it changed to your new BNB card number effective February 18th. . Your card must be activated in order for your EFT transactions to go through. If you have any questions regarding this information, or if you don’t receive your new PIN, please contact BNB’s Electronic Banking Department toll free at 1-855-702-8344. Sincerely, Michelle Dosch, VP Director of Electronic Banking 1 You will be charged a fee for ATM withdrawals not done at a BNB ATM. This amount is in addition to any surcharge imposed by the ATM owner/operator. CARDHOLDER AGREEMENT MASTERMONEY DEBIT CARD The undersigned ("You" or "Your"), in consideration of Bridgehampton National Bank ("We" or "Our" "the Bank") issuing me a MASTERMONEY DEBIT CARD, hereafter known as "the Card(s)", hereby agree to be legally bound by the following terms and conditions: 4. You may use the Card at any point of sale terminal (POS) to purchase goods or services from merchants who have agreed to accept your Card(s). Your MASTERMONEY DEBIT CARD will be accepted at any merchant location displaying the MASTERCARD logo or accepting debit cards. I have the accounts(s) including such transaction, savings and/or credit (loan) account(s) with you set forth on my application form. I hereby request that you issue to me one or more MASTERMONEY DEBIT CARDs. By using this agreement: 5. The Bank has the right to refuse a transaction on your Account when the Card has been reported lost or stolen or where the Bank reasonably believes there is unusual activity on your Account. If you use the Card(s) to access an Account that is no longer available or lacks sufficient funds to complete the transaction, the Bank may at its sole discretion, charge or credit the transaction to another account. 1. The Card(s) remain the property of the Bank and will be surrendered immediately to the Bank upon request. You cannot transfer your Card(s) to another person and we may cancel and retrieve your Card(s) at any time without notice to you. 2. You may use the Card(s) with your personal identification number ("PIN") at any automated teller machine ("ATM") which is a part of the electronic funds transfer network to which the Bank belongs. The Card(s) may be used to a) withdraw cash from your account(s) b) transfer funds to or from your account c) makes cash advances from your overdraft line of credit. d) receive information regarding account balances. Do not reveal your PIN to any person not authorized by you to use your Card and do not write your PIN on your card or any item kept with your Card. If you choose to reveal your PIN to a person authorized by you to use the Card(s) you are responsible for any use of the Card(s) by them whether used at a full service ATM, an electronic cash dispensing machine, a POS terminal, a home computer or otherwise. 3. Deposits may also be made at Bridgehampton National Bank ATMs only. Final credit of deposits made by you is subject to verification by the Bank of the actual amounts deposited and paid. The deposit may not be made available for immediate withdrawal depending upon availability of the items deposited as stated in our Funds Availability Policy. 6. You must contact us immediately if the Card(s) are lost or stolen or if your monthly statement shows transactions which you did not make or were made for an incorrect amount. (See disclosure statement informing you of your rights under the Electronic Funds Transfer Act). You may contact us by phone or in writing at: Bridgehampton National Bank 2200 Montauk Highway PO Box 3005 Bridgehampton NY 11932 (631)-537-1000 or the Hot Card Service Center at: (800)-554-8969 7. From time to time we may amend or change the terms of this Agreement. We will notify you in writing of any such amendments or changes and your use of the Card(s) after the effective date of these changes shall constitute your acceptance of and agreement to such amendment or change. 8. Refer to the Account Service Charge Disclosure provided to you at account opening for any fees associated to using this card.
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