Common use of Features & Functionality Clause in Contracts

Features & Functionality. a. ONLINE & MOBILE BANKING SERVICE The Online & Mobile Banking Services enables you to*:  Access Account balances  Review Account activity including check images and some pending transactions  Funds transfers including Loan Payments  Place a stop payment on any check you wrote drawn on a CGB Account  Deactivate and reactivate your CGB Debit card (Control access to your card when it is not in use or misplaced)  Leverage enhanced Debit Card Controls with Smart Card  Account Alerts (Establish email or text alerts to notify you of transaction activity or balance thresholds)  Access Digital Money Management (DMM) to help manage your finances  Send secure messages and submit secure forms to CGB, including travel plans  Communicate with our Customer Care Representatives using secure online video chat  eStatements  Reorder checks  Update/change contact information (change email address, home address and phone numbers)  Update/change security information (change User ID, password, and security questions)  Quicken®/QuickBooks® Web Connect and Quicken® Direct Connect  Bill Pay, review Bill Pay activity and manage payees  eBills and eBill Presentment (Receive and view bills electronically from designated creditors or vendors that participate in eBill presentment programs and from which you authorize ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Bank to retrieve your eBill information.)  and more *Please note some items may be unavailable on the Mobile app or Online Banking and are subject to change at any time with or without notice. b. STOP PAYMENTS Stop payment requests may be placed on a single check or a range of checks that are missing or stolen without regard to the dollar amount. Stop payment requests received through Online/Mobile Banking prior to 7:00pm on any business day will be processed on the business day received and if received after 7:00pm may not be processed until the following business day. A stop payment fee as listed in the Chelsea Groton Bank “Schedule of Charges” will be charged to the Account on which the stop payment is issued. Please note that you cannot use this function to stop payment on a payment processed through online “Bill Pay.” To cancel or stop a “Bill Pay” placed online, contact Customer Care at (▇▇▇) ▇▇▇-▇▇▇▇. In requesting a stop payment on a check, you agree that it is your responsibility to verify that the item has not already been paid. You are solely responsible for ensuring that the “Stop Payment Order” contains complete and accurate information including without limitation, the accurate name to which the check is made payable, the check number and the account number. Your request will be effective only if we have not already paid this check and you have given us the correct payee, check number(s) and account number. If this information is not correct, you must notify us immediately. You further agree that you must notify us in writing to cancel the Stop Payment Order if and when the reason for the stop payment ceases to exist; that the closing of the account upon which this check is drawn will automatically cancel this order and that this order expires and is no longer in effect six (6) months from the date that this order was placed unless you have already cancelled or renewed the Stop Payment Order. Failure to renew the Stop Payment Order may result in the item being paid. Periodically, our systems may be inoperable. If that occurs, you may transmit stop payment orders by telephone instruction. You are advised that under applicable state law, stopping payment on a check may not relieve you of your obligation to pay the check.

Features & Functionality. a. ONLINE & MOBILE BANKING SERVICE The Online & Mobile Banking Services enables you to*:  Access Account balances  Review Account activity including check images and some pending transactions  Funds transfers including Loan Payments  Place a stop payment on any check you wrote drawn on a CGB Account  Deactivate and reactivate your CGB Debit card (Control access to your card when it is not in use or misplaced)  Leverage enhanced Debit Card Controls with Smart Card  Account Alerts (Establish email or text alerts to notify you of transaction activity or balance thresholds)  Access Digital Money Management (DMM) to help manage your finances  Send secure messages and submit secure forms to CGB, including travel plans  Communicate with our Customer Care Representatives using secure online video chat  eStatements  Reorder checks  Update/change contact information (change email address, home address and phone numbers)  Update/change security information (change User ID, password, and security questions)  Quicken®/QuickBooks® Web Connect and Quicken® Direct Connect  Bill Pay, review Bill Pay activity and manage payees  eBills and eBill Presentment (Receive and view bills electronically from designated creditors or vendors that participate in eBill presentment programs and from which you authorize ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Bank to retrieve your eBill information.)  and more *Please note some items may be unavailable on the Mobile app or Online Banking and are subject to change at any time with or without notice. Access to the services may vary based on access granted to or by your business Online Banking Administrator. b. STOP PAYMENTS Stop payment requests may be placed on a single check or a range of checks that are missing or stolen without regard to the dollar amount. Stop payment requests received through Online/Mobile Banking prior to 7:00pm on any business day will be processed on the business day received and if received after 7:00pm may not be processed until the following business day. A stop payment fee as listed in the Chelsea Groton Bank “Schedule of Charges” will be charged to the Account on which the stop payment is issued. Please note that you cannot use this function to stop payment on a payment processed through online “Bill Pay.” To cancel or stop a “Bill Pay” placed online, contact Customer Care at (▇▇▇) ▇▇▇-▇▇▇▇. In requesting a stop payment on a check, you agree that it is your responsibility to verify that the item has not already been paid. You are solely responsible for ensuring that the “Stop Payment Order” contains complete and accurate information including without limitation, the accurate name to which the check is made payable, the check number and the account number. Your request will be effective only if we have not already paid this check and you have given us the correct payee, check number(s) and account number. If this information is not correct, you must notify us immediately. You further agree that you must notify us in writing to cancel the Stop Payment Order if and when the reason for the stop payment ceases to exist; that the closing of the account upon which this check is drawn will automatically cancel this order and that this order expires and is no longer in effect six (6) months from the date that this order was placed unless you have already cancelled or renewed the Stop Payment Order. Failure to renew the Stop Payment Order may result in the item being paid. Periodically, our systems may be inoperable. If that occurs, you may transmit stop payment orders by telephone instruction. You are advised that under applicable state law, stopping payment on a check may not relieve you of your obligation to pay the check.