ONLINE BANKING
TERMS AND CONDITIONS

Please read these Terms and Conditions carefully and keep them for future reference.

Definitions. The words you and your refer to either and all of the persons signing the Application. The words we, us, and our refer to Century Bank. The words your deposit accounts refer to the deposit accounts with us identified in the Application. The words your loan accounts refer to the loan accounts with us on which either or all of you are obligated to us. The words your accounts refer to your deposit accounts and your loan accounts. The words our internet service refer to our Online Banking with Bill Pay. The word terms refers to these Terms and Conditions. ACH refers to Automated Clearing House.

Security. We work hard to make our website secure. We will employ such security measures as in our reasonable judgment are appropriate to secure our website. You will not use our website for unauthorized purposes. We may monitor and audit transactions made through our website.

Access to Accounts Via the Internet. Subject to the terms set forth below, we will provide you with our internet service pursuant to which you can access your accounts by computer via the internet through our website using your username and Online Banking PIN. Or you may also access your deposit accounts through Mobile Banking by logging on to our website with your cell or other mobile device or with a downloadable app available from Google Play or the iPhone App store and providing such other information as may be required by our website to accomplish the following:

- transfer funds between checking, savings, money market and home equity line of credit account(s)

- make payments from eligible deposit accounts permitting transfers to loan accounts with us

- authorize bank-to-bank transfers, if approved
----you may transfer up to $5,000.00 per day in outbound bank-to-bank transfers, or $5,000.00 per day inbound
----you may make no more than three outbound transfers per day, or no more than three inbound transfers per day
----up to four external accounts can be set up for bank-to-bank transfers</li>

-authorize mobile check deposits, if approved
----for personal accounts: limit of $2,500.00 per day; $10,000.00 per month
----for business accounts: limit of $7,500.00 per day; $25,000.00 per month

-authorize person to person payments, if approved
----for personal and business accounts: limit of $2,500.00 per day

-get information about:
----the account balance from all of your accounts
----deposits to checking, money market and savings account(s)
----withdrawals from checking, money market and savings account(s)
----view statements
----download history

-enter stop payments

Canceling Online Banking. This Agreement will remain in effect until it is terminated by you or Century. You may cancel this Agreement at any time by notifying Century by phone or mail. If you notify the Bank by phone, we may require you to put your request in writing. Century may cancel this Agreement and terminate your use of the Online Banking services for any reason, at any time. Century will use commercially reasonable measures to notify you in advance of any such termination, but Century is not obligated to do so.

ONLINE/MOBILE BANKING BILL PAYMENT

-Transaction Procedures. Bill payments may be processed in three different transaction modes. They are as follows:

1."Today." If you designate a payment as a today transaction and is entered prior to 3:00 p.m. EST it will be processed on the same day. Electronic payments will be debited from the designated account on the same day. Check payments will be processed on the same day and will debit the designated account when the check is presented for payment. Sufficient funds must be available in the designated account when the payment is presented.

2."Future." If you designate a bill payment as a future transaction, you may request that the transaction be made on a future date that you designate up to 60 months in advance of the scheduled initiation date. The processing date will be the effective date that you entered, or the next business day should the effective date fall on a weekend or a holiday. Sufficient funds must be available when payment is presented. Future transactions may be cancelled or edited 24 hours prior to the scheduled initiation date.

3."Recurring."If you designate a bill payment as a recurring transaction, you may request, and the Bank will use, a scheduled initiation date that recurs on a specified regular basis (i.e. weekly, bi-weekly, monthly, etc.). You will designate a start and end date. Sufficient funds must be available when the payment is presented. Recurring transactions may be cancelled or edited 24 hours prior to the scheduled initiation date.

-Bill Payments.

1. Account Designation and Payees. All bill payments you make through Online/Mobile Banking will be deducted from your designated account(s). Any payee you wish to pay through Online/Mobile Banking must be payable in U.S. Dollars and located in the United States. Each payee must appear on the payee list you create with the Bank and the account you are paying with must be in your name.

2. Processing. Funds will be taken out of your designated account(s) on the Scheduled Initiation Date entered by you. In many cases, your bill payments are electronically delivered to the payee within three business days after the Scheduled Initiation Date. However, some payees are not set up to accept electronic payment. In these cases, a check will be sent, which may take up to five to seven business days to process and deliver to the payee.

-Limitations of Service.

1. Payment Limitations. Except as provided herein, all bill payments from an account are subject to the terms and conditions applicable to such account as set forth in the account agreement governing such account.

2. Available Funds Required. All bill payments initiated through Online/Mobile Banking are subject to there being sufficient funds in the affected account on the effective date of the transaction.

3. Payment Amounts. The minimum payment amount is $.01 and the maximum amount is the available balance of your designated account.

-Authorization to Charge Accounts. You authorize us to charge your designated account(s) for any transactions processed through the use of Online/Mobile Banking, including the amount of any bill payment that you make, and any fees or charges for the service. You authorize us to process bill payment according to the instructions we receive through Online/Mobile Banking. You authorize us to initiate any reversing entry or reversing file, and to debit your accounts at the Bank or elsewhere, in order to correct any mistaken entry.

You understand that if a bill payment request describes the payee inconsistently by name and account number, execution of the request will occur on the basis of the account number, even if it identifies a person different from the named payee or transferee.

-Applicable to All Fees and Charges. If you do not have sufficient funds in your account on the date the fee or charge is payable, you authorize us to automatically deduct the payment from your account as soon as funds are available or overdraw your account to process the charge.

-Documentation and Verification of Payments.

1. Confirmation Numbers. Upon completion of a transaction using Online/Mobile Banking, a confirmation number will be given. You should record this number, along with the payee, scheduled date and transaction amount in your checkbook register (or other permanent record), because this will help in resolving any problems that may occur. No printed receipts are issued through Online/Mobile Banking.

2. Periodic Statements. Information concerning Online/Mobile Banking transactions will be shown on your monthly statement for the account from which payments are made.

We will have no obligation to carry out any transfers or payments unless there are sufficient funds in the pertinent deposit account or any overdraft line of credit on that deposit account. We will promptly provide you with a username, Online Banking PIN, the address of our website through which you can access your accounts, and such other information as you will need to participate in our internet service. You can arrange for a change of your Online Banking PIN by calling the number set forth below. Please see the Limitations on Frequency of Transfers below.

Online Bill Payment Program. Except as otherwise provided the following is our Online Bill Payment Program:
----We will make payments from any of your accounts to third parties by preparing, signing, and mailing checks drawn on such accounts on your behalf per your instructions on our website.
----Unless otherwise required by law, we will not be liable for indirect, special, or consequential damages for failure to mail, or erroneous or tardy mailing, under this program.
----This program cannot be used to make the following types of payments: transactions outside the United States.

Hardware and Software Requirements. You can access Online Banking through your personal computer or other mobile device which supports Microsoft Internet Explorer 11, Mircosoft Edge, Mozilla's Fire Fox, Google Chrome and Apple/Mac Safari web browsers, each in its latest, final release version from its respective publisher (the "Supported Browsers"). You are solely responsible for setting up and maintaining your computer hardware and software and satisfying all hardware and software requirements. We make no warranty of website functionality and viewing in any browser other than the Supported Browsers in their most current version.

Electronic Disclosures and Notices. This Disclosure describes the process that must occur before we can provide you with electronic disclosures and notices (such as by email or website). It also describes your rights in the event you consent to receiving electronic disclosures and notices. First we must inform you as to the computer hardware and software requirements to receive and keep the electronic disclosures and notices. Some disclosures may require Adobe Reader. If you are unable to read an Adobe PDF document, please download and install the free Adobe Reader at http://get.adobe.com/reader/. Then we must make an electronic request for your consent. Finally, you must give your consent electronically in response to our request. You understand prior to giving your consent that:
(1) Your consent applies to disclosures and notices regarding your accounts or our internet service, and it applies to your periodic account statements;
(2) Unless you consent, you have the right to receive all required disclosures in paper or non-electronic form;
(3) Even after consent, if you want to receive a paper copy of the disclosure in addition to the electronic disclosure you can obtain one free of charge by calling us;
(4) You can withdraw your consent at any time by calling us; and
(5) You must promptly provide us with the information (such as an email address) needed to communicate with you electronically and update us as to any changes in such information by calling us.

We reserve the right to provide any disclosures or notices in writing, rather than electronically. Except as otherwise provided in this or other agreements, by law, or on our website, you cannot give us notices electronically, and all notices from you must be in writing.

Stop-Payment Orders. To be effective, a stop-payment order must be received in time to allow us a reasonable opportunity to act on it, and for some ACH debits must be received at least three banking days before the scheduled date of transfer. To be effective, a stop-payment order must identify the payment sufficiently to allow us a reasonable opportunity to act on it. If the payment is by check, online/mobile bill pay, or if the payment is by ACH debit and we give notice at the time an oral stop-payment order is received that written confirmation is required and provide an address where the written confirmation can be sent, an oral stop-payment order is effective for 14 calendar days only, unless confirmed in writing within the 14-day period. Properly signed written stop payment orders are effective for 6 months after date received and will automatically expire after that period unless renewed in writing. With respect to ACH debits, you and we agree to abide by the ACH rules and regulations regarding stop-payment orders.

Please refer to our separate personal fee schedule for charges.

Hours of Operation. You ordinarily can participate in our internet service 24 hours a day - 7 days a week. However, we reserve the right to suspend our internet service from time to time as we deem appropriate.
Transaction Posting. Transactions entered on our website on or before 9 P.M. (EST) on any business day will be posted on the same day. Transactions entered on our website on weekends, federal holidays or after 9 P.M. (EST) on a business day will be posted by the end of the next business day.
Assignment and Delegation. We can assign our interest and responsibilities under this agreement, delegate our responsibilities under this agreement, and use independent contractors to perform or assist in the performance of our responsibilities under this agreement, as we deem appropriate.
Limitations on Frequency of Transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:
Regardless of anything else in this or other agreements, transfers and withdrawals from a savings account to another of your accounts or to third parties by preauthorized, automatic, telephonic, or computer transfer, or by check, draft, debit card, or similar order to third parties, cannot exceed six per calendar month or statement cycle of at least four weeks.
For security reasons, there may be other limitations on the number of transfers you can make.
Termination. We can terminate your right to participate in our internet service at any time if you fail to comply with these terms or the terms of your account agreements with us, including any failure to pay a required fee. Either you or we can terminate this agreement without cause upon 30 days advance notice.
Changes in Terms. We can change these terms by giving you notice as required by law. Continued use of our internet service by you after notice of a change in terms constitutes acceptance of the change.
Notices. Notices must be in writing and mailed or hand delivered, except that we can give them to you electronically if you have so consented. Notices to you are effective when given, regardless of whether you receive them. Notices to us are effective only when we actually receive them.
Irreconcilable Conflicts. These terms supersede those of your deposit or loan account agreements to the extent they cannot be reconciled. You expressly waive any deposit account agreement requirements of one or more signatures for withdrawal when using our internet service. Any one of the persons authorized to make withdrawals from your deposit accounts is authorized to make transfers pursuant to our internet service, even if your account agreements provide that multiple signatures are required for withdrawal.

FEES

Except as indicated elsewhere in this or other agreements or disclosures, we do not charge for our internet service.
We can debit any fees to any of your deposit accounts without notice.

DOCUMENTATION

Periodic Statements. You will get a monthly account statement from us for your deposit accounts, unless there are no transfers in a particular month, in which case you will get a statement at least quarterly.

FINANCIAL INSTITUTION'S LIABILITY

Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time and in a correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
(1)If, through no fault of ours, you do not have enough money in your account to make the transfer.
(2)If you have an overdraft line, and the transfer would go over the credit limit.
(3)If circumstances beyond our control such as interruption of telecommunication service, catastrophic or emergency conditions, or a natural disaster (such as a fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
(4)If the funds are subject to legal process or other encumbrance restricting the transfer.
(5)There may be other exceptions stated in our agreement with you.
Except as expressly required by these terms or otherwise required by law, we will not be liable for any losses or damages resulting from:
(1)Deficiencies in your computer hardware or software or in your ability or care in using them, or
(2)Problems relating to your access to the internet.

CONFIDENTIALITY

We can disclose information to third parties about your account or the transfers you make:
(1)Where it is necessary for completing transfers; or
(2)In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
(3)In order to comply with government agency or court orders; or
(4)As explained in our separate privacy disclosures.

UNAUTHORIZED TRANSFERS

Consumer Liability. Tell us AT ONCE if you believe your code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose up to $50 if someone used your code without your permission.

Also, if your statement shows transfers that you did not make, including those made by code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back the money you lost (up to $50) after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time period.
Contact in Event of Unauthorized Transfer. If you believe your code has been lost or stolen, call or write us at the telephone number or address listed below. You should also call the number or write to the address listed below if you believe a transfer has been made using the information from your check without your permission.

ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed below, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent you, or provided electronically to you if you consented to receipt that way, the FIRST statement on which the problem or error appeared.
(1) Tell us your name and account number (if any).
(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
(3) Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point of sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your question or complaint in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

CENTURY BANK
400 MYSTIC AVENUE
MEDFORD, MA 02155
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: (866) 823-6887
MORE DETAILED INFORMATION IS AVAILABLE
ON REQUEST


? 2005 Wolters Kluwer Financial Services - Bankers Systems? Form INET-AGR-BRO 6/1/2005 Custom 11e 200797097-010