Pico Macom Car Amplifier CA 30RK559 Online Account Universal Disclosure

User Manual: Pico Macom Car Amplifier CA-30RK559

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IMPORTANT
INFORMATION
ABOUT
YOUR DEPOSIT
ACCOUNTS
TERMS AND CONDITIONS
ELECTRONIC TRANSFERS
FUNDS AVAILABILITY
SUBSTITUTE CHECKS
TRUTH IN SAVINGS

MEMBER FDIC

TABLE OF CONTENTS
Page

TERMS AND CONDITIONS .............................................2
Important Information About Procedures for
Opening a New Account..............................................2
Agreement .........................................................................2
Liability ..............................................................................2
Deposits ............................................................................3
Withdrawals .......................................................................3
Refusal to Permit Withdrawal ............................................4
Ownership of Account and Beneficiary Designation .........4
Business, Organization and Association Accounts ..........5
Stop Payments ..................................................................5
Telephone Transfers ........................................................5
Amendments and Termination ..........................................6
Statements ........................................................................6
Account Transfer ...............................................................7
Direct Deposits ..................................................................7
Setoff .................................................................................7
Restrictive Legends ..........................................................7
Payment Order of Items ....................................................7
Check Processing .............................................................8
Check Cashing ..................................................................8
ACH and Wire Transfers ...................................................8
Pledges .............................................................................9
Power of Attorney ..............................................................9
Stale-Dated Checks ..........................................................9
FDIC Insurance .................................................................9
Dormant Accounts ...........................................................10
Death or Incompetence ...................................................10
UTMA Accounts ..............................................................10
Cash Transaction Reporting............................................10
Legal Actions Affecting Your Accounts ...........................11
Security ...........................................................................11
NOTICE OF NEGATIVE INFORMATION .......................11
ELECTRONIC FUND TRANSFERS ...............................12
FUNDS AVAILABILITY DISCLOSURE..........................20
SUBSTITUTE CHECKS AND YOUR RIGHTS ...............22
TRUTH-IN-SAVINGS DISCLOSURE..............................25
Basic Banking Account....................................................25
Student Advantage Account ............................................25
Checking With Interest Account/
Acorn Checking Account ............................................26
Power Flex Money Market Account.................................26
Statement Savings Account/
Passbook Savings Account ........................................27
School Passbook and Kid’s Club Account ......................28
Holiday and Vacation Club Accounts ..............................28
Certificate of Deposit/IRA ................................................29
18-Month Variable Certificate ..........................................31
1

TERMS AND CONDITIONS
OF YOUR ACCOUNT
IMPORTANT INFORMATION ABOUT PROCEDURES
FOR OPENING A NEW ACCOUNT - To help the
government fight the funding of terrorism and money
laundering activities, Federal law requires all financial
institutions to obtain, verify, and record information that
identifies each person who opens an account.
What this means for you: When you open an account, we
will ask for your name, address, date of birth, and other
information that will allow us to identify you. We may also
ask to see your driver's license or other identifying
documents.
AGREEMENT - This document, along with any other
documents we give you pertaining to your account(s), is a
contract that establishes rules which control your
account(s) with us. Please read this carefully. If you sign
the signature card or open or continue to use the account,
you agree to these rules. You will receive a separate
schedule of rates, qualifying balances, and fees if they are
not included in this document. If you have any questions,
please call us.
This agreement is subject to applicable federal laws and
the laws of the state of New York (except to the extent that
this agreement can and does vary such rules or laws). The
body of state and federal law that governs our relationship
with you, however, is too large and complex to be
reproduced here. The purpose of this document is to:
(1) summarize some laws that apply to common
transactions;
(2) establish rules to cover transactions or events which
the law does not regulate;
(3) establish rules for certain transactions or events
which the law regulates but permits variation by
agreement; and
(4) give you disclosures of some of our policies to which
you may be entitled or in which you may be interested.
If any provision of this document is found to be
unenforceable according to its terms, all remaining
provisions will continue in full force and effect. We may
permit some variations from our standard agreement, but
we must agree to any variation in writing either on the
signature card for your account or in some other
document.
As used in this document the words “we,” “our,” and “us”
mean the financial institution and the words “you” and
“your” mean the account holder(s) and anyone else with
the authority to deposit, withdraw, or exercise control over
the funds in the account. The headings in this document
are for convenience or reference only and will not govern
the interpretation of the provisions. Unless it would be
inconsistent to do so, words and phrases used in this
document should be construed so the singular includes
the plural and the plural includes the singular.
LIABILITY - You agree, for yourself (and the person or
entity you represent if you sign as a representative of
2

another) to the terms of this account and the schedule of
charges. You authorize us to deduct these charges
directly from the account balance as accrued. You will pay
any additional reasonable charges for services you
request which are not covered by this agreement.
Each of you also agrees to be jointly and severally
(individually) liable for any account shortage resulting from
charges or overdrafts, whether caused by you or another
with access to this account. This liability is due
immediately, and can be deducted directly from the
account balance whenever sufficient funds are available.
You have no right to defer payment of this liability, and you
are liable regardless of whether you signed the item or
benefited from the charge or overdraft. You will also be
liable for our costs to collect the deficit as well as for our
reasonable attorneys’ fees, to the extent permitted by law,
whether incurred as a result of collection or in any other
dispute involving your account including, but not limited to,
disputes between you and another joint owner; you and an
authorized signer or similar party; or a third party claiming
an interest in your account.
DEPOSITS - We will give only provisional credit until
collection is final for any items, other than cash, we accept
for deposit (including items drawn “on us”). Actual credit
for deposits of, or payable in, foreign currency will be at
the exchange rate in effect on final collection in U.S.
dollars. We are not responsible for transactions by mail or
outside depository until we actually record them. We will
treat and record all transactions received after our “daily
cutoff time” on a business day we are open, or received on
a day we are not open for business, as if initiated on the
next business day that we are open.
WITHDRAWALS - Unless clearly indicated otherwise on
the account records, any of you, acting alone, who signs
to open the account or has authority to make withdrawals
may withdraw or transfer all or any part of the account
balance at any time. Each of you (until we receive written
notice to the contrary) authorizes each other person who
signs or has authority to make withdrawals to indorse any
item payable to you or your order for deposit to this
account or any other transaction with us. You agree that,
as to any item that we have no opportunity to examine the
signatures, such as an electronic check conversion
transaction where a check or similar item is converted into
an electronic fund transfer as defined in the Electronic
Fund Transfers regulation, you waive any requirement of
multiple signatures for withdrawal. We may charge your
account for a check even though payment was made
before the date of the check, unless we have received
written notice of the postdating in time to have a
reasonable opportunity to act. We may refuse any
withdrawal or transfer request which you attempt on forms
not approved by us, by any method we do not specifically
permit, which is greater in number than the frequency
permitted, or which is for an amount greater or less than
any withdrawal limitations. Even if we honor a
nonconforming request, we may treat continued abuse of
the stated limitations (if any) as your act of closing the
3

account. We will use the date the transaction is completed
by us (as opposed to the date you initiate it) to apply the
frequency limitations. The fact that we may honor
withdrawal requests that overdraw the available account
balance does not obligate us to do so later. You agree that
we may charge fees for overdrafts and use subsequent
deposits, including direct deposits of social security or
other government benefits, to cover such overdrafts and
overdraft fees. If we are presented with an item drawn
against your account that would be a “substitute check,”
as defined by law, but for an error or defect in the item
introduced in the substitute check creation process, you
agree that we may pay such item. See the funds
availability policy disclosure for information about when
you can withdraw funds you deposit. For those accounts
for which our funds availability policy disclosure does not
apply, you can ask us when you make a deposit when
those funds will be available for withdrawal.
We may require not less than 7 days’ notice in writing
before each withdrawal from an interest-bearing account
other than a time deposit, or from any other savings
account as defined by Regulation D. Withdrawals from a
time account prior to maturity or prior to any notice period
may be restricted and may be subject to penalty. See your
notice of penalty for early withdrawal.
REFUSAL TO PERMIT WITHDRAWAL:
The Bank may refuse to permit a withdrawal in cases
including, but not limited to, the following:
1. The Bank chooses to exercise its legal rights to require
up to 60 days advance written notice of any intended
withdrawal from the Account and 60 days have not
passed since we received the required notice.
2. The withdrawal would consist of funds deposited in
the form of a check or other instrument which is not
yet available for withdrawal.
3. There is a dispute about the Account.
4. A court orders the Bank not to permit the withdrawal.
5. The Account is pledged as collateral for a debt.
6. The withdrawal would consist of funds the Bank has
transferred out of the Account to pay an overdue debt
to the Bank.
7. The withdrawal would consist of funds the Bank has
been ordered to pay or hold for a creditor other than
the Bank.
8. Any document or identification the Bank requires, or
the law requires, in connection with the withdrawal
has not been presented to the Bank.
9. An equipment problem in the Bank prevents
determining the availability of funds.
10. The depositor is deceased and the requisite legal
disposition of the Account has not yet been made.
OWNERSHIP OF ACCOUNT AND BENEFICIARY
DESIGNATION - These rules apply to this account
depending on the form of ownership and beneficiary
designation, if any, specified on the account records. We
make no representations as to the appropriateness or
4

effect of the ownership and beneficiary designations,
except as they determine to whom we pay the account
funds.
Individual Account - is an account in the name of one
person.
Joint Account - With Survivorship (And Not As
Tenants In Common) - is owned by two or more persons.
Deposits and any additions to the account are the property
of the owners as joint tenants with right of survivorship.
This means that we may release the entire account to any
owner during the lifetime of all owners. We may honor
withdrawal requests (including checks) from any owner
during the lifetime of all owners. We may be required to
release money in the account to satisfy a judgment
against or other valid debt incurred by any owner. We may
honor withdrawal requests (including checks) from any
surviving owner after the death of any owner, and may
treat the account as the sole property of the surviving
owner(s). Unless an owner directs us by written notice not
to honor the withdrawal request (including checks) of an
owner we will not be liable for doing so. After we receive
such a notice, we may require written authorization of any
or all joint owners for any further payments or deliveries.
Revocable Trust Account - If two or more of you create
such an account, you own the account jointly with
survivorship. Beneficiaries cannot withdraw unless: (1) all
persons creating the account die, and (2) the beneficiary is
then living. If two or more beneficiaries are named and
survive the death of all persons creating the account, such
beneficiaries will own this account in equal shares, without
right of survivorship. The person(s) creating this account
type reserve the right to: (1) change beneficiaries, (2)
change account types, and (3) withdraw all or part of the
account funds at any time.
BUSINESS, ORGANIZATION AND ASSOCIATION
ACCOUNTS - We may require the governing body of the
entity opening the account to give us a separate
authorization telling us who is authorized to act on its
behalf. We will honor the authorization until we actually
receive written notice of a change from the governing body
of the entity.
STOP PAYMENTS - A stop-payment order must be given
in the manner required by law, must be received in time to
give us a reasonable opportunity to act on it, and must
precisely identify the number, date and amount of the
item, and the payee. We will honor a stop-payment
request by the person who signed the particular item, and,
by any other person, even though such other person did
not sign the item, if such other person has an equal or
greater right to withdraw from this account than the person
who signed the item in question. A release of the stoppayment request may be made only by the person who
initiated the stop-payment order.
TELEPHONE TRANSFERS - A telephone transfer of
funds from this account to another account with us, if
otherwise arranged for or permitted, may be made by the
same persons and under the same conditions generally
applicable to withdrawals made in writing. Unless a
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different limitation is disclosed in writing, we restrict the
number of transfers from a savings account to another
account or to third parties, to a maximum of six per month
(less the number of “preauthorized transfers” during the
month). Other account transfer restrictions may be
described elsewhere.
AMENDMENTS AND TERMINATION - We may change
any term of this agreement. Rules governing changes in
interest rates are provided separately. For other changes,
we will give you reasonable notice in writing or by any
other method permitted by law. We may also close this
account at any time upon reasonable notice to you and
tender of the account balance personally or by mail.
Notice from us to any one of you is notice to all of you.
STATEMENTS - Your duty to report unauthorized
signatures, alterations and forgeries - You must
examine your statement of account with “reasonable care
and promptness.” If you discover (or reasonably should
have discovered) any unauthorized signatures or
alterations, you must promptly notify us of the relevant
facts. As between you and us, if you fail to do either of
these duties, you will have to bear the entire loss. Your
loss could be not only with respect to items on the
statement but other items with unauthorized signatures or
alterations by the same wrongdoer. We lose these
protections if you establish that we failed to exercise
ordinary care in paying an item with an unauthorized
signature or alteration.
You agree that the time you have to examine your
statement and report to us will depend on the
circumstances, but will not, in any circumstance, exceed a
total of 14 days from when the statement is first sent or
made available to you.
You further agree that if you fail to report any unauthorized
signatures, alterations or forgeries in your account within
60 days of when we first send or make the statement
available, you cannot assert a claim against us on any
items in that statement, and as between you and us the
loss will be entirely yours. This 60-day limitation is without
regard to whether we used ordinary care. The limitation in
this paragraph is in addition to that contained in the first
paragraph of this section.
Your duty to report other errors - In addition to your
duty to review your statements for unauthorized
signatures, alterations and forgeries, you agree to
examine your statement with reasonable promptness for
any other error - such as an encoding error. You agree
that the time you have to examine your statement and
report to us will depend on the circumstances. However,
such time period shall not exceed 60 days. Failure to
examine your statement and report any such errors to us
within 60 days of when we first send or make the
statement available precludes you from asserting a claim
against us for any such errors on items identified in that
statement and as between you and us the loss will be
entirely yours.
Errors relating to electronic fund transfers or
substitute checks - For information on errors relating to
6

electronic fund transfers (e.g., computer, debit card or
ATM transactions) refer to the section of the disclosure
entitled Electronic Fund Transfers disclosure and the
sections on consumer liability and error resolution. For
information on errors relating to a substitute check you
received, refer to the section of this disclosure entitled
Substitute Checks and Your Rights.
ACCOUNT TRANSFER - This account may not be
transferred or assigned without our prior written consent.
DIRECT DEPOSITS - If, in connection with a direct
deposit plan, we deposit any amount in an account which
should have been returned to the Federal Government for
any reason, you authorize us to deduct the amount of our
liability to the Federal Government from the account or
from any other account you have with us, without prior
notice and at any time, except as prohibited by law. We
may also use any other legal remedy to recover the
amount of our liability.
SETOFF - You each agree that we may (when permitted
by law) set off the funds in this account against any due
and payable debt you owe us now or in the future, by any
of you having the right of withdrawal, to the extent of such
persons’ or legal entity’s right to withdraw. If the debt
arises from a note, “any due and payable debt” includes
the total amount of which we are entitled to demand
payment under the terms of the note at the time we set off,
including any balance the due date for which we properly
accelerate under the note.
This right of setoff does not apply to this account if
prohibited by law. For example, the right of setoff does not
apply to this account if: (a) it is an Individual Retirement
Account or similar tax-deferred account, or (b) the debt is
created by a consumer credit transaction under a credit
card plan (but this does not affect our rights under any
consensual security interest), or (c) the debtor’s right of
withdrawal only arises in a representative capacity, or (d)
social security or supplemental security income payments
are deposited directly into this account pursuant to an
agreement with us which permits such direct deposit
without presentation to you at the time of deposit. We will
not be liable for the dishonor of any check when the
dishonor occurs because we set off a debt against this
account. You agree to hold us harmless from any claim
arising as a result of our exercise of our right of setoff.
RESTRICTIVE LEGENDS - We are not required to honor
any restrictive legend on checks you write unless we have
agreed in writing to the restriction. Examples of restrictive
legends are “must be presented within 90 days” or “not
valid for more than $1,000.00.”
PAYMENT ORDER OF ITEMS - The law permits us to
pay items drawn on your account in any order (for
purposes of this section “items” means checks, orders and
electronic transactions). To assist you in handling your
account with us, we are providing you with the following
information regarding how we process those items.
When processing checks or orders drawn on your
account, our policy is to pay them according to the dollar
amount. We pay the smallest checks and orders first. For
7

electronic transactions, our policy is to pay them in the
order that they are received. The order in which items are
paid is important if there is not enough money in your
account to pay all of the items that are presented. There is
no policy that is favorable in every instance. If the smallest
items are paid first, you may have fewer NSF or overdraft
fees, but the largest, and perhaps more important items
(such as rent or mortgage payments) might not be paid.
However, if the largest items are paid first, your most
important items might be paid but it may increase the
overdraft or NSF fees if funds are not available to pay all
of the items.
If an item is presented without sufficient funds in your
account to pay it, we may, at our discretion, pay the item
(creating an overdraft) or return the item (NSF). The
amounts of the overdraft and NSF fees are disclosed
elsewhere. We encourage you to make careful records
and practice good account management. This will help
you to avoid writing checks or drafts without sufficient
funds and incurring the resulting fees.
CHECK PROCESSING - We may process items
mechanically by relying on the information encoded along
the bottom of the items. This means that we may not
individually examine all of your items to determine if the
item is properly completed, signed and indorsed. You
agree that we have not failed to exercise ordinary care
solely because we use an automated system to process
items and do not inspect all items processed in such a
manner. We reserve the right not to inspect each item
because using an automated process helps us keep costs
down for you and all account holders. We may determine
the amount of available funds in your account for the
purpose of deciding whether to return an item for
insufficient funds at any time between the time we receive
the item and when we return the item or send a notice in
lieu of return. We need only make one determination, but if
we choose to make a subsequent determination, the
account balance at the subsequent time will determine
whether there are insufficient available funds.
CHECK CASHING - We may require reasonable
identification to cash a check, draft or other instrument.
We can decide what identification is reasonable under the
circumstances and such identification may be
documentary or physical and may include collecting a
thumbprint or fingerprint.
ACH AND WIRE TRANSFERS - This agreement is
subject to Article 4A of the Uniform Commercial Code Fund Transfers as adopted in the state in which you have
your account with us. If you originate a fund transfer for
which Fedwire is used, and you identify by name and
number a beneficiary financial institution, an intermediary
financial institution or a beneficiary, we and every
receiving or beneficiary financial institution may rely on the
identifying number to make payment. We may rely on the
number even if it identifies a financial institution, person or
account other than the one named. You agree to be bound
by automated clearing house association rules. These
rules provide, among other things, that payments made to
8

you, or originated by you, are provisional until final
settlement is made through a Federal Reserve Bank or
payment is otherwise made as provided in Article 4A403(a) of the Uniform Commercial Code. If we do not
receive such payment, we are entitled to a refund from
you in the amount credited to your account and the party
originating such payment will not be considered to have
paid the amount so credited. If we receive a payment
order to credit an account you have with us by wire or
ACH, we are not required to give you any notice of the
payment order or credit.
PLEDGES - Unless we agree otherwise in writing, each
owner of this account may pledge all or any part of the
funds in it for any purpose to which we agree. Any pledge
of this account must first be satisfied before the rights of
any surviving account owner or account beneficiary
become effective. For example, if an account has two
owners and one of the owners pledges the account (i.e.,
uses it to secure a debt) and then dies, (1) the surviving
owner’s rights in this account do not take effect until the
debt has been satisfied, and (2) the debt may be satisfied
with the funds in this account. Each owner of a joint
account authorizes and consents to the other joint owner,
acting alone, pledging the full balance of the joint account
to the Bank as security for a passbook loan or other loan
from the Bank.
POWER OF ATTORNEY - You may wish to appoint an
agent to conduct transactions on your behalf. (We,
however, have no duty or agreement whatsoever to
monitor or insure that the acts of the agent are for your
benefit.) This may be done by allowing your agent to sign
in that capacity on the signature card or by separate form,
such as a power of attorney. A power of attorney
continues until your death or the death of the person given
the power. If the power of attorney is not “durable,” it is
revoked when you become incompetent. We may continue
to honor the transactions of the agent until: (a) we have
received written notice or have actual knowledge of the
termination of the authority or the death of an owner, and
(b) we have had a reasonable opportunity to act on that
notice or knowledge. You agree not to hold us responsible
for any loss or damage you may incur as a result of our
following instructions given by an agent acting under a
valid power of attorney.
STALE-DATED CHECKS - We are not obligated to, but
may at our option, pay a check, other than a certified
check, presented for payment more than six months after
its date. If you do not want us to pay a stale-dated check,
you must place a stop-payment order on the check in the
manner we have described elsewhere.
FDIC INSURANCE - Funds in your account(s) with us are
insured by the Federal Deposit Insurance Corporation
(FDIC) and backed by the full faith and credit of the
United States. The amount of insurance coverage you
have depends on the number of accounts you have with
us that are of different “ownership.” An individual account
is one unique form of “ownership”; a joint account, a payon-death account, and a self directed qualified retirement
9

account (e.g., an IRA) are examples of some of the
others. Deposit insurance for a person’s self directed
qualified retirement account is up to $250,000. (An IRA is
a self directed qualified retirement account as is any
account where the owner decides where and how to
invest the balance.) Deposit insurance for the other
ownerships is at least $250,000 per interest of the owner.
If you want a more detailed explanation or additional
information, you may ask us or contact the FDIC. You can
also visit the FDIC website at www.fdic.gov and click on
the Deposit Insurance link. The link includes detailed
contact information as well as a deposit insurance
estimator.
FDIC insures each depositor to at least $250,000.
Beginning December 31, 2010 through December 31,
2012, deposits held in noninterest-bearing transaction
accounts will be fully insured, regardless of the amount in
the account. It does not include other accounts, such as
traditional checking or demand deposit accounts that may
earn interest, NOW accounts, and money-market deposit
accounts.
DORMANT ACCOUNTS - Your account will be considered
dormant if all of the following occur for three consecutive
years: (1) deposits are not made to your account; (2)
withdrawals are not made to your account; or (3) the bank
does not receive any correspondence from you which
indicates that you know that your account with the bank is
still in existence. Interest crediting is not considered a
deposit for this purpose. In accordance with the N.Y. State
Abandoned Property Law, dormant funds will be turned over
to the State of New York. You may submit a claim for return
of the funds to: Bureau of Abandoned Property, N.Y. State
Department of Audit and Control, Albany, New York 12236.
DEATH OR INCOMPETENCE - You agree to notify us
promptly if any person with a right to withdraw funds from
your account(s) dies or becomes legally incompetent. We
may continue to honor your checks, items, and instructions
until: (a) we know of your death or incompetence, and (b)
we have had a reasonable opportunity to act on that
knowledge. You agree that we may pay or certify checks
drawn on or before the date of death or legal incompetence
for up to ten (10) days after your death or legal
incompetence unless ordered to stop payment by someone
claiming an interest in the account.
UTMA ACCOUNTS - Under the Uniform Transfers to
Minors Act, the funds in the account are owned by the
child who has unconditional use of the account when he or
she reaches the age of majority. Before that time, the
account may be accessed only by the custodian (or
successor custodian), and the funds must be used for the
benefit of the child. We, however, have no duty or
agreement whatsoever to monitor or insure that the acts of
the custodian (or successor custodian) are for the child’s
benefit. For this type of account, the child’s SSN/TIN is
used for the Backup Withholding Certification.
CASH TRANSACTION REPORTING - To help law
enforcement agencies detect illegal activities, the law
requires all financial institutions to gather and report
10

information on some types of cash transactions. If the
information we need to complete the report is not
provided, we are required to refuse to handle the
transaction. If you have any questions regarding these
rules, please visit www.fincen.gov.
LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we
are served with a subpoena, restraining order, writ of
attachment or execution, levy, garnishment, search
warrant, or similar order relating to your account (termed
“legal action” in this section), we will comply with that legal
action. Or, in our discretion, we may freeze the assets in
the account and not allow any payments out of the account
until a final court determination regarding the legal action.
We may do these things even if the legal action involves
less than all of you. In these cases, we will not have any
liability to you if there are insufficient funds to pay your
items because we have withdrawn funds from your account
or in any way restricted access to your funds in accordance
with the legal action. Any fees or expenses we incur in
responding to any legal action (including, without limitation,
attorneys’ fees and our internal expenses) may be charged
against your account. The list of fees applicable to your
account(s) provided elsewhere may specify additional fees
that we may charge for certain legal actions.
SECURITY - It is your responsibility to protect the account
numbers and electronic access devices (e.g., an ATM card)
we provide you for your account(s). Do not discuss,
compare, or share information about your account
number(s) with anyone unless you are willing to give them
full use of your money. An account number can be used by
thieves to encode your number on a false demand draft
which looks like and functions like an authorized check. If
you furnish your access device and grant actual authority to
make transfers to another person (a family member or
coworker, for example) who then exceeds that authority,
you are liable for the transfers unless we have been notified
that transfers by that person are no longer authorized.
Your account number can also be used to electronically
remove money from your account. If you provide your
account number in response to a telephone solicitation for
the purpose of making a transfer (to purchase a service or
merchandise, for example), payment can be made from
your account even though you did not contact us directly
and order the payment.
You must also take precaution in safeguarding your blank
checks. Notify us at once if you believe your checks have
been lost or stolen. If you are negligent in safeguarding
your checks we will not be responsible for any losses you
incur due to an alteration or forgery if we have paid the
check in good faith and in accordance with reasonable
commercial standards.

—————————————
NOTICE OF NEGATIVE INFORMATION
Federal law requires us to provide the following notice to
customers before any "negative information" may be
furnished to a nationwide consumer reporting agency.
"Negative information" includes information concerning
11

delinquencies, overdrafts or any form of default. This
notice does not mean that we will be reporting such
information about you, only that we may report such
information about customers that have not done what they
are required to do under our agreement.
After providing this notice, additional negative information
may be submitted without providing another notice.
We may report information about your account to
credit bureaus. Late payments, missed payments or
other defaults on your account may be reflected in
your credit report.

—————————————
ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES
Indicated below are types of Electronic Fund Transfers
we are capable of handling, some of which may not apply to
your account. Please read this disclosure carefully because
it tells you your rights and obligations for the transactions
listed. You should keep this notice for future reference.
Electronic Fund Transfers Initiated By Third Parties.
You may authorize a third party to initiate electronic fund
transfers between your account and the third party’s
account. These transfers to make or receive payment may
be one-time occurrences or may recur as directed by you.
These transfers may use the Automated Clearing House
(ACH) or other payments network. Your authorization to
the third party to make these transfers can occur in a
number of ways. For example, your authorization to
convert a check to an electronic fund transfer or to
electronically pay a returned check charge can occur when
a merchant provides you with notice and you go forward
with the transaction (typically, at the point of purchase, a
merchant will post a sign and print the notice on a receipt).
In all cases, these third party transfers will require you to
provide the third party with your account number and bank
information. This information can be found on your check
as well as on a deposit or withdrawal slip. Thus, you should
only provide your bank and account information (whether
over the phone, the Internet, or via some other method) to
trusted third parties whom you have authorized to initiate
these electronic fund transfers. Examples of these
transfers include, but are not limited to:
• Preauthorized credits. You may make arrangements
for certain direct deposits (such as U.S. Treasury
(Social Security) or some employers (payroll)) to be
accepted into your checking or savings account(s).
• Preauthorized payments. You may make
arrangements to pay certain recurring bills from your
checking, savings, or money market account(s).
• Electronic check conversion. You may authorize a
merchant or other payee to make a one-time
electronic payment from your checking account using
information from your check to pay for purchases or
pay bills.
• Electronic returned check charge. You may
authorize a merchant or other payee to initiate an
12

electronic funds transfer to collect a charge in the
event a check is returned for insufficient funds.
TAB (Telephone Access Bank) - types of transfers You may access your account by telephone 24 hours a
day at (718) or (631) 643-0360 or (516) 794-1020 using
your personal identification number, a touch tone phone,
and your account numbers, to:
• transfer funds from checking to checking or money
market
• transfer funds from checking to statement savings
• transfer funds from statement savings to checking or
money market
• transfer funds from statement savings to statement
savings
• transfer funds from money market to checking or
statement savings
• get information about:
- the account balance of checking accounts
- the account balance of statement savings or money
market accounts
Please also see Limitations on frequency of transfers
section regarding limitations that apply to telephone
transfers.
ATM Transfers - NYCE and CIRRUS Networks - types of
transfers and dollar limitations - You may access your
account(s) by ATM using your Ridgewood Savings Bank
BankCard and Debit MasterCard™, to:
• make deposits to checking account(s)
• make deposits to savings or money market account(s)
• get cash withdrawals from checking account(s)
- you may withdraw no more than $600.00 per day for
each cardholder on the account regardless of the
number of accounts that a cardholder may access
• get cash withdrawals from savings or money market
account(s)
- you may withdraw no more than $600.00 per day
• transfer funds from statement savings to checking
account(s)
• transfer funds from checking to statement savings
account(s)
• get information about:
- the account balance of your checking account(s)
- the account balance of your statement savings or
money market account(s)
Some of these services may not be available at all terminals.
Please also see Limitations on frequency of transfers
section regarding limitations that apply to ATM transfers.
Types of Ridgewood Savings Bank BankCard Point-ofSale Transactions - You may access your checking
account(s) to purchase goods (in person), pay for services
(in person), get cash from a merchant, if the merchant
permits, or from a participating financial institution, and do
anything that a participating merchant will accept.
13

Point-of-Sale Transactions - dollar limitations - Using
your card:
• you may not exceed $600.00 in transactions per day
Types of Ridgewood Bank Debit MasterCard™ Pointof-Sale Transactions - You may access your checking
account(s) to purchase goods (in person or by phone), pay
for services (in person or by phone), get cash from a
merchant, if the merchant permits, or from a participating
financial institution, and do anything that a participating
merchant will accept.
Point-of-Sale Transactions - dollar limitations - Using
your card:
• you may not exceed $1,500.00 in transactions per
day
Advisory Against Illegal Use. You agree not to use your
card(s) for illegal gambling or other illegal purpose. Display
of a payment card logo by, for example, an online merchant
does not necessarily mean that transactions are lawful in all
jurisdictions in which the cardholder may be located.
LAWS AND REGULATIONS
GOVERNING THIS AGREEMENT
The Ridgewood Savings Bank BankCard is not transferable
and must be surrendered upon demand. The Ridgewood
Savings Bank BankCard and this Ridgewood Savings Bank
BankCard Agreement may be canceled by the Bank at any
time without prior notice. The Bank may, from time to time,
change the terms of this Agreement by mailing or delivering
written notice of the change to you at your address in the
Bank’s records at least thirty (30) days before the effective
date of any change in a term or condition, if the change
would result in increased fees or charges, increased liability
to you, fewer types of electronic funds transfers, or stricter
limitations on the frequency or dollar amounts of transfers.
If, at any time, you determine that you do not want to use
your Ridgewood Savings Bank BankCard, destroy the
card at once by cutting it in half.
You agree that you will not give your Ridgewood Savings
Bank BankCard or PIN to any other person. You agree
that you will not write your PIN on the Ridgewood Savings
Bank BankCard, nor will you keep your PIN and
Ridgewood Savings Bank BankCard together in the same
place, such as your wallet or purse. You agree that if your
Ridgewood Savings Bank BankCard or PIN is lost,
misplaced, or stolen, or if you believe that someone has
transferred, or may transfer money from your account
without your permission, you will notify the bank at once.
MISCELLANEOUS
The Ridgewood Savings Bank BankCard Agreement, and
any changes to it by the Bank, constitutes the entire
understanding between the Bank and you (“cardholder”)
with respect to the subject matter of this Ridgewood
Savings Bank BankCard Agreement. The Bank and you
are still bound by the terms, conditions and fees imposed
by any other agreements that you have entered into with
the Bank, unless such terms, conditions, and fees have
14

been explicitly changed by this Ridgewood Savings Bank
BankCard Agreement. This Agreement shall be governed
by the laws of the State of New York.
Internet Banking Computer Transfers - types of
transfers - You may access your account(s) by computer
through the internet by logging onto our website at
www.ridgewoodbank.com and using your user
identification and password, to:
• transfer funds from checking to checking or money
market
• transfer funds from checking to statement savings
• transfer funds from statement savings to checking or
money market
• transfer funds from statement savings to statement
savings
• transfer funds from money market to checking or
statement savings
• make payments from checking, statement savings, or
money market to loan account(s) with us
• make payments from checking to third parties
• get information about:
- the account balance of checking, statement
savings, or money market account(s)
- deposits to checking, statement savings, or money
market accounts
- withdrawals from checking, statement savings, or
money market accounts
Limitations on frequency of transfers. In addition to
those limitations on transfers elsewhere described, if any,
the following limitations apply:
• For security reasons, there are other limits on the
number of transfers you can make by ATM.
• For security reasons, there are other limits on the
number of transfers you can make by telephone.
FEES
• We do not charge for direct deposits to any type of
account.
Except as indicated elsewhere, we do not charge for
these electronic fund transfers.
ATM Operator/Network Fees. When you use an ATM not
owned by us, you may be charged a fee by the ATM
operator or any network used (and you may be charged a
fee for a balance inquiry even if you do not complete a
fund transfer).
Please refer to our separate Disclosure of Service
Charges for any additional ATM related fees.
DOCUMENTATION
• Terminal transfers. You can get a receipt at the time
you make a transfer to or from your account using an
automated teller machine or point-of-sale terminal.
However, you may not get a receipt if the amount of
the transfer is $15 or less.
• Preauthorized credits. If you have arranged to have
direct deposits made to your account at least once
every 60 days from the same person or company, the
15

person or company making the deposit will tell you
every time they send us the money.
• Preauthorized credits. If you have arranged to have
direct deposits made to your account at least once
every 60 days from the same person or company,
you can call us Mon. - Fri., 8:30 A.M. - 4:00 P.M. at
(718) 240-4957 or (516) 794-4470 to find out
whether or not the deposit has been made.
• Periodic statements.
You will get a monthly account statement from us
for your checking and statement savings accounts.
For passbook accounts, if the only possible
electronic transfers to or from your account are
preauthorized credits, we do not send periodic
statements. You may bring your passbook to us and
we will record any electronic deposits that were
made since the last time you brought in your
passbook.
PREAUTHORIZED PAYMENTS
• Right to stop payment and procedure for doing
so. If you have told us in advance to make regular
payments out of your account, you can stop any of
these payments. Here is how:
Call or write us at the telephone number or
address listed in this brochure in time for us to
receive your request 3 business days or more before
the payment is scheduled to be made. If you call, we
may also require you to put your request in writing
and get it to us within 14 days after you call.
Please refer to our separate Disclosure of Service
Charges for the amount we will charge you for each
stop-payment order you give.
• Notice of varying amounts. If these regular
payments may vary in amount, the person you are
going to pay will tell you, 10 days before each
payment, when it will be made and how much it will
be. (You may choose instead to get this notice only
when the payment would differ by more than a
certain amount from the previous payment, or
when the amount would fall outside certain limits
that you set.)
• Liability for failure to stop payment of
preauthorized transfer. If you order us to stop one
of these payments 3 business days or more before
the transfer is scheduled, and we do not do so, we
will be liable for your losses or damages.
FINANCIAL INSTITUTION’S LIABILITY
Liability for failure to make transfers. If we do not
complete a transfer to or from your account on time or in
the 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.
16

(2) If you have an overdraft line and the transfer would
go over the credit limit.
(3) If the automated teller machine where you are
making the transfer does not have enough cash.
(4) If the terminal or system was not working properly
and you knew about the breakdown when you
started the transfer.
(5) If circumstances beyond our control (such as fire
or flood) prevent the transfer, despite reasonable
precautions that we have taken.
(6) There may be other exceptions stated in our
agreement with you.
CONFIDENTIALITY
We will 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 the separate Privacy Disclosure.
UNAUTHORIZED TRANSFERS
(a) Consumer liability.
• Generally. Tell us AT ONCE if you believe your card
and/or 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 all the money in your
account (plus your maximum overdraft line of credit). If
you tell us within 2 business days after you learn of the
loss or theft of your card and/or code, you can lose no
more than $50 if someone used your card and/or code
without your permission.
If you do NOT tell us within 2 business days after you
learn of the loss or theft of your card and/or code, and we
can prove we could have stopped someone from using
your card and/or code without your permission if you had
told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not
make, including those made by card, 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 any money you lost 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 periods.
• Additional Limits on Liability for Debit MasterCard™,
when used for point-of-sale transactions. You will not be
liable for any unauthorized transactions using your Debit
MasterCard™, when used for point-of-sale transactions,
if: (i) you can demonstrate that you have exercised
reasonable care in safeguarding your card from the risk
of loss or theft, (ii) you have not reported to us two or
17

more incidents of unauthorized use within the prior
twelve-month period, and (iii) your account is in good
standing. If any of these conditions are not met, your
liability is the lesser of $50 or the amount of money,
property, labor, or services obtained by the unauthorized
use before notification to us. “Unauthorized use” means
the use of your debit card by a person, other than you,
who does not have actual, implied, or apparent authority
for such use, and from which you receive no benefit. This
additional limitation on liability does not apply to PINbased transactions or transactions not processed by
MasterCard.
(b) Contact in event of unauthorized transfer. If you
believe your card
and/or
page
19code has been lost or stolen, call
or write us at the telephone number or address listed on
page 18. You should also call the number or write to the
page 19
address listed on page 18 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 on page 18, as soonpage
as you19
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 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 complaint or question 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.
18

You may ask for copies of the documents that we used
in our investigation.
RIDGEWOOD SAVINGS BANK
DEMAND DEPOSIT SERVICES
71-02 FOREST AVENUE
RIDGEWOOD, NEW YORK 11385-5697
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: (718) 240-4957 or (516) 794-4470
MORE DETAILED INFORMATION IS AVAILABLE
ON REQUEST
NOTICE OF AUTOMATED TELLER MACHINE (ATM)
FACILITY USER PRECAUTIONS
As with all financial transactions, please exercise
discretion when using an automated teller machine
(ATM). For your own safety, be careful. The following
suggestions may be helpful.
1. Prepare for your transactions at home (for instance,
by filling out a deposit slip) to minimize your time at
the ATM.
2. Mark each transaction in your account record, but
not while at the ATM. Always save your ATM
receipts. Don’t leave them at the ATM because they
may contain important account information.
3. Compare your records with the account statements
you receive.
4. Don’t lend your ATM card to anyone.
5. Remember, do not leave your card at the ATM.
6. If you lose your ATM card or if it is stolen, promptly
notify us. You should consult the other disclosures
you have received about electronic fund transfers
for additional information about what to do if your
card is lost or stolen. Contact 1-800-472-3272.
7. Protect the secrecy of your Personal Identification
Number (PIN). Protect your ATM card as though it
were cash. Don’t tell anyone your PIN. Don’t give
anyone information regarding your ATM card or PIN
over the telephone. Never enter your PIN in any
ATM that does not look genuine, has been
modified, has a suspicious device attached, or is
operating in a suspicious manner. Don’t write your
PIN where it can be discovered. For example, don’t
keep a note of your PIN in your wallet or purse.
8. Prevent others from seeing you enter your PIN by
using your body to shield their view.
9. Don’t accept assistance from anyone you don’t
know when using an ATM.
10. When you make a transaction, be alert to your
surroundings. Look out for suspicious activity near
the ATM, particularly if it is after sunset. At night, be
sure that the facility (including the parking area and
walkways) is well lighted. Consider having someone
accompany you when you use the facility, especially
after sunset. Defer your transaction if circumstances
cause you to be apprehensive for your safety. You
might consider using another ATM.
19

11. If you notice anything suspicious or if any other
problem arises after you have begun an ATM
transaction, you may want to cancel the transaction,
pocket your card and leave. You might consider
using another ATM or coming back later.
12. Please be sure to close any entry door completely
upon entering and exiting the ATM. Do not permit
any unknown persons to enter the facility after
regular banking hours.
13. Don’t display your cash; place withdrawn cash
securely upon your person before exiting the ATM.
Count the cash later when you are in the safety of
your own car, home, or other secure surrounding.
14. At a drive-up facility, make sure all the car doors are
locked and all of the windows are rolled up, except
the driver’s window. Keep the engine running and
remain alert to your surroundings.
15. We want the ATM to be safe and convenient for you.
The activity of the ATM facility may be recorded by a
surveillance camera or cameras. Please tell us if
you know of any problem with a facility. For
instance, let us know if a light is not working or there
is any damage to a facility. Please use the nearest
available public telephone to call the police if
emergency assistance is needed. Direct complaints
concerning ATM facility security to us at the phone
number listed in this brochure or the New York
Banking Department Consumer Services Hotline at
1-877-BANK NYS (1-877-226-5697).

—————————————
YOUR ABILITY TO WITHDRAW FUNDS
This policy statement applies to all deposit accounts.
Our policy is to make funds from your check deposits
available to you on the second business day after the day
we receive your deposit, with the first $200 available on
the first business day after the day of your deposit.
Electronic direct deposits will be available on the day we
receive the deposit. Cash, wire transfers, and some
specified check deposits will also be available before the
second business day, as detailed below. Once the funds
are available, you can withdraw them in cash and we will
use the funds to pay checks that you have written.
Please remember that even after we have made funds
available to you, and you have withdrawn the funds, you
are still responsible for checks you deposit that are
returned to us unpaid and for any other problems involving
your deposit.
For determining the availability of your deposits, every
day is a business day, except Saturdays, Sundays, and
federal holidays. If you make a deposit before 3:00 P.M.
on a business day that we are open, we will consider that
day to be the day of your deposit. However, if you make a
deposit after 3:00 P.M. or on a day we are not open, we
will consider that the deposit was made on the next
business day we are open.
20

Same-Day Availability
Funds from the following deposits will be available on
the day we receive the deposit:
Electronic direct deposits.
U.S. Treasury checks that are payable to you.
Wire transfers.
Cash.
State and local government checks that are payable to
you.
Next-Day Availability
If you make the deposit in person to one of our
employees, funds from the following deposits are available
on the first business day after the day of your deposit:
Checks drawn on Ridgewood Savings Bank.
Cashier’s, certified, and teller’s checks that are payable
to you.
Federal Reserve Bank checks, Federal Home Loan
Bank checks, and postal money orders, if these items
are payable to you.
If you do not make your deposit in person to one of our
employees (for example, if you mail the deposit), funds
from these deposits will be available on the second
business day after the day we receive your deposit.
Other Check Deposits Subject to Second-Day
Availability
The first $200 from a deposit of other checks will be
available on the first business day after the day of your
deposit. The remaining funds will be available on the
second business day after the day of your deposit.
For example, if you deposit a check of $700 on a
Monday, $200 of the deposit is available on Tuesday. The
remaining $500 is available on Wednesday.
If we cash a check for you that is drawn on another
bank, we may withhold the availability of a corresponding
amount of funds that are already in your account. Those
funds will be available at the time funds from the check we
cashed would have been available if you had deposited it.
If we accept for deposit a check that is drawn on another
bank, we may make funds from the deposit available for
withdrawal immediately but delay your availability to
withdraw a corresponding amount of funds that you have on
deposit in another account with us. The funds in the other
account would then not be available for withdrawal until the
time periods that are described elsewhere in this disclosure
for the type of check that you deposited.
LONGER DELAYS MAY APPLY
Funds you deposit by check may be delayed for a
longer period under the following circumstances:
We believe a check you deposit will not be paid.
You deposit checks totaling more than $5,000 on any
one day.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the
last six months.
21

There is an emergency, such as failure of computer or
communications equipment.
We will notify you if we delay your ability to withdraw
funds for any of these reasons, and we will tell you when
the funds will be available. They will generally be available
no later than the seventh business day after the day of
your deposit.
SPECIAL RULES FOR NEW ACCOUNTS
If you are a new customer, the following special rules
will apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account
will be available on the day we receive the deposit. Funds
from deposits of cash, wire transfers, and the first $5,000
of a day’s total deposits of cashier’s, certified, teller’s,
traveler’s, and federal, state and local government checks
will be available on the first business day after the day of
your deposit if the deposit meets certain conditions. For
example, the checks must be payable to you. The excess
over $5,000 will be available on the ninth business day
after the day of your deposit. If your deposit of these
checks (other than a U.S. Treasury check) is not made in
person to one of our employees, the first $5,000 will not be
available until the second business day after the day of
your deposit.
Funds from all other check deposits will be available on
the eleventh business day after the day of your deposit.

—————————————
SUBSTITUTE CHECKS AND YOUR RIGHTS
As our customer we think it's important for you to know
about substitute checks. The following Substitute Check
Disclosure provides information about substitute checks
and your rights. So you will recognize substitute checks
when you receive them, we have included a copy of the
front side of a substitute check along with an explanation
of the substitute check's components.
What is a substitute check?
To make check processing faster, federal law permits
banks to replace original checks with “substitute checks.”
These checks are similar in size to original checks with a
slightly reduced image of the front and back of the original
check. The front of a substitute check states: “This is a
legal copy of your check. You can use it the same way you
would use the original check.” You may use a substitute
check as proof of payment just like the original check.
Some or all of the checks that you receive back from us
may be substitute checks. This notice describes rights you
have when you receive substitute checks from us. The
rights in this notice do not apply to original checks or to
electronic debits to your account. However, you have
rights under other law with respect to those transactions.
What are my rights regarding substitute checks?
In certain cases, federal law provides a special
procedure that allows you to request a refund for losses
you suffer if a substitute check is posted to your account
(for example, if you think that we withdrew the wrong
amount from your account or that we withdrew money
22

from your account more than once for the same check).
The losses you may attempt to recover under this
procedure may include the amount that was withdrawn
from your account and fees that were charged as a result
of the withdrawal (for example, bounced check fees).
The amount of your refund under this procedure is
limited to the amount of your loss or the amount of the
substitute check, whichever is less. You also are entitled
to interest on the amount of your refund if your account is
an interest-bearing account. If your loss exceeds the
amount of the substitute check, you may be able to
recover additional amounts under other law.
If you use this procedure, you may receive up to $2,500
of your refund (plus interest if your account earns interest)
within 10 business days after we received your claim and
the remainder of your refund (plus interest if your account
earns interest) not later than 45 calendar days after we
received your claim.
We may reverse the refund (including any interest on
the refund) if we later are able to demonstrate that the
substitute check was correctly posted to your account.
How do I make a claim for a refund?
If you believe that you have suffered a loss relating to a
substitute check that you received and that was posted to
your account, please contact us
By mail:
Ridgewood Savings Bank
71-02 Forest Ave.
Ridgewood, NY 11385
Attn: Demand Deposit Department
By phone:
Calling Local Branch
You must contact us within 40 calendar days of the date
that we mailed (or otherwise delivered by a means to
which you agreed) the substitute check in question or the
account statement showing that the substitute check was
posted to your account, whichever is later. We will extend
this time period if you were not able to make a timely claim
because of extraordinary circumstances.
Your claim must include —
• A description of why you have suffered a loss (for
example, you think the amount withdrawn was
incorrect);
• An estimate of the amount of your loss;
• An explanation of why the substitute check you
received is insufficient to confirm that you suffered a
loss; and
• A copy of the substitute check or the following
information to help us identify the substitute check:
the check number, the amount of the check, the
date of the check, and the name of the person to
whom you wrote the check.
23

➁

➄

This is a LEGAL COPY of
your check. You can use it
the same way you would
use the original check.

3112003355102116

➂ *051000033*
10/28/2004

➃

Pat Payor
101 Your Street
Your City, USA 10101

➅

Memo

Your Financial Institution
Your City, USA 10101

PAY TO THE
ORDER OF

➀
DATE

68-4567/123

DOLLARS

$

24

MP

Security
Features
Detailed
on Back

4321

Below is an image of a sample substitute check. The numbers
listed below the image correspond with the numbers on or near
the substitute check image and the corresponding text explains
the various components of a substitute check.

SUBSTITUTE CHECK IMAGE

[121000374] 10/28/2004
0025671467874451

These numbers correspond with the numbers on the
Substitute Check Image:
1 An image of the original check appears in the upper
right-hand corner of the substitute check.
2 A substitute check is the same size as a standard
business check.
3 The information in asterisks relates to the “reconverting
bank”—the financial institution that created the
substitute check.
4 The information in brackets (appears sideways facing
check image) relates to the “truncating bank”—the
financial institution that took the original check out of
the check processing system.
5 The Legal Legend states: This is a LEGAL COPY of
your check. You can use it the same way you would
use the original check.
6 The MICR lines at the bottom of the image of the original
and at the bottom of the substitute check are the same
except for the “4” at the beginning of the MICR line on
the substitute check, which indicates that it is a substitute
check being moved forward for collection purposes. It is
also possible for the MICR line on the substitute check to
begin with a “5” if the item is being returned. The rest of
the MICR line is the same as the original check to ensure
that it is processed as though it were the original.

—————————————
TRUTH-IN-SAVINGS DISCLOSURE
BASIC BANKING ACCOUNT
Minimum balance to open the account - You must
deposit $25.00 to open this account.
Transaction limitations:
You may make an unlimited number of deposits without
incurring any additional charge.
Fees:
A maintenance charge fee of $3.00 will be charged each
month. This fee will not apply if you maintain a combined
deposit of $2,500.00 or direct deposit.
Additional Features:
A withdrawal shall be deemed to be made when it is
recorded on our books, which is not necessarily the date
that you initiated the transaction.
The minimum balance to maintain the account is $.01.
STUDENT ADVANTAGE ACCOUNT
Minimum balance to open the account - You must
deposit $25.00 to open this account.
Transaction limitations:
You may make an unlimited number of deposits without
incurring any additional charges.
An ATM or Debit Card is available on this account. You
may withdraw no more than $600.00 per day.
Fees:
There are no maintenance charges with this account.
Non-Ridgewood ATM Use - $1.00 per transaction.
25

Eight free ATM transactions per month.
Reimbursement of one returned check fee annually.
Miscellaneous:
Online Banking and E-Statements are required for this
account. After the account is opened for five years, the
account will automatically roll over to a Basic Banking
Account.
The minimum balance to maintain the account is $.01.
CHECKING WITH INTEREST ACCOUNT/
ACORN CHECKING ACCOUNT
Basic checking/Checking with interest and Acorn checking
account consists of a checking sub account and a savings
sub account. The Bank may periodically transfer funds
between these two sub accounts. On a sixth transfer
during a calendar month, any funds in the savings sub
account will be transferred back to the checking sub
account. If your Account is a Plan on which interest is
paid, your interest calculation will remain the same.
Otherwise, the savings sub account will be non-interest
bearing. The savings sub account will be governed by the
rules governing our other savings accounts. This process
will not affect your available balance, the interest you may
earn, FDIC insurance protection, or your monthly statement.
Rate Information - Your interest rate and annual
percentage yield may change. Frequency of rate
changes - We may change the interest rate on your
account at any time.
Determination of rate - At our discretion, we may change
the interest rate on your account.
Compounding and crediting frequency - Interest will be
compounded every day. Interest is credited monthly on the
cycle date of your account.
Minimum balance to open the account - You must
deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees - A
monthly maintenance charge will be imposed every
statement cycle if the balance in the account falls below
$5,000.00 (combined balance in your accounts) any day of
the cycle. See separate fee schedule.
Daily balance computation method - We use the daily
balance method to calculate the interest on your account.
This method applies a daily periodic rate to the principal in
the account each day.
Accrual of interest on noncash deposits - Interest
begins to accrue on the business day you deposit noncash
items (for example, checks).
POWER FLEX MONEY MARKET ACCOUNT
Rate Information - Your interest rate and annual
percentage yield may change. Frequency of rate
changes - We may change the interest rate on your
account at any time.
Determination of rate - At our discretion, we may change
the interest rate on your account.
Compounding and crediting frequency - Interest will be
compounded every day. Interest is credited monthly on the
cycle date of your account.
26

Minimum balance to open the account - You must
deposit $1,000.00 to open this account.
Minimum balance to avoid imposition of fees - A
monthly maintenance charge will be imposed every
statement cycle if the balance in the account falls below
$1,000.00 any day of the cycle. See separate Disclosure
of Service Charges.
Daily balance computation method - We use the daily
balance method to calculate the interest on your account.
This method applies a daily periodic rate to the principal in
the account each day.
Accrual of interest on noncash deposits - Interest
begins to accrue on the business day you deposit noncash
items (for example, checks).
Transaction limitations:
After opening an account with a minimum deposit, you can
deposit any amount over $1.00 in your account.
Funds can be withdrawn by a withdrawal order signed by
You or by writing a check. Unlimited withdrawals are
generally permitted in person or by mail. However, the
Bank is required to limit the number of transfers from Your
Account, involving checks You write, automatic transfers,
Point-of-Sale, telephone, or computer transfers, and preauthorized transfers, to no more than six (6) per monthly
cycle. Automatic Transfers can be for any amount. A
service charge, as detailed in the separate schedule
“Service Charges” (at the end of this disclosure) will be
assessed against Your Account for each check or transfer
in excess of the permitted limit. In the event You exceed
the number of permitted preauthorized transfers or
withdrawals, the Bank may be required to close Your
Account.
STATEMENT SAVINGS ACCOUNT/
PASSBOOK SAVINGS ACCOUNT
Rate Information - Your interest rate and annual
percentage yield may change. Frequency of rate
changes - We may change the interest rate on your
account at any time.
Determination of rate - At our discretion, we may change
the interest rate on your account.
Compounding and crediting frequency - Interest will be
compounded every day. Interest is credited monthly on the
cycle date of your account. If the interest credited at the
end of the period amounts to at least $25.00, the interest
may, at your option, be mailed to you upon written
authorization received by us 10 days prior to the end of
the period.
Minimum balance to open the account - You must
deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees (for
Passbook Savings accounts) - A monthly maintenance
charge will be imposed each month if the average daily
balance for the month falls below $100.00. The average
daily balance is calculated by adding the principal in the
account for each day of the period and dividing that figure
by the number of days in the period. See separate
Disclosure of Service Charges.
27

Minimum balance to avoid imposition of fees (for
Statement Savings accounts) - A monthly maintenance
charge will be imposed each monthly statement cycle if the
average daily balance for the monthly statement cycle falls
below $100.00. The average daily balance is calculated by
adding the principal in the account for each day of the
period and dividing that figure by the number of days in the
period. See separate Disclosure of Service Charges.
Daily balance computation method - We use the daily
balance method to calculate the interest on your account.
This method applies a daily periodic rate to the principal in
the account each day.
Accrual of interest on noncash deposits - Interest
begins to accrue on the business day you deposit noncash
items (for example, checks).
Transaction limitations:
After opening an account with a minimum deposit, you can
deposit any amount over $1.00 in your account.
Transfers from a Statement Savings account to another
account or to third parties by preauthorized, automatic,
telephone, or computer transfer are limited to six per
month with no transfers by check, draft, debit card, or
similar order to third parties. POS transactions are limited
to no more than six (6) by debit card per monthly cycle.
SCHOOL PASSBOOK AND KID’S CLUB ACCOUNT
Rate Information - Your interest rate and annual
percentage yield may change. Frequency of rate
changes - We may change the interest rate on your
account at any time.
Determination of rate - At our discretion, we may change
the interest rate on your account.
Compounding and crediting frequency - Interest will be
compounded every day. Interest will be credited to your
account monthly on the last business day of each month.
Minimum balance to open the account - You must
deposit $10.00 to open this account.
Daily balance computation method - We use the daily
balance method to calculate the interest on your account.
This method applies a daily periodic rate to the principal in
the account each day.
Accrual of interest on noncash deposits - Interest
begins to accrue on the business day you deposit noncash
items (for example, checks).
Transaction limitations:
You may deposit any amount over $.25 to your account.
HOLIDAY AND VACATION CLUB ACCOUNTS
Rate Information - Your interest rate and annual
percentage yield may change. Frequency of rate
changes - We may change the interest rate on your
account at any time.
Determination of rate - At our discretion, we may change
the interest rate on your account.
Compounding and crediting frequency - Interest will be
compounded every day. Interest will be credited to your
account monthly on the last business day of each month.
28

Minimum balance to open the account - You must
deposit $10.00 to open this account.
Daily balance computation method - We use the daily
balance method to calculate the interest on your account.
This method applies a daily periodic rate to the principal in
the account each day.
Accrual of interest on noncash deposits - Interest
begins to accrue on the business day you deposit noncash
items (for example, checks).
Transaction limitations:
Account deposits must be from a Ridgewood Savings
Bank Checking account. After opening an account with a
minimum deposit, you can deposit any amount over $1.00
in your account on a predetermined basis, for a
reoccurring amount.
Withdrawal/Closeout limitations: Account balance will
be transferred to your Ridgewood Savings Bank Checking
account for Holiday accounts on the last Wednesday
before Thanksgiving, and for Vacation accounts on the
last Wednesday in April.
CERTIFICATE OF DEPOSIT/IRA
See back panel for rate and maturity information. You will
be paid this rate until first maturity.
Bump Up Option Plan: See back panel for rate and
maturity information. The interest rate and annual
percentage yield may change. We will not change the rate
on your account during the term of the account. However,
you have the one-option, anytime during the term of this
account, to change this interest rate to the interest rate
then being offered by the bank for a Traditional CD of the
same term for the balance of the original term. This
exchange will be at no cost to you. If you make an
exchange, the maturity date of this account will remain the
same as originally scheduled. You may exercise this
exchange option once during the first term (must be made
in writing), but not during any renewal term.
Compounding frequency - Interest will be compounded
every day.
Crediting frequency - Interest will be credited to your
account every month.
Minimum balance to open the account - You must
deposit $500.00 to open this account.
Daily balance computation method - We use the daily
balance method to calculate the interest on your account.
This method applies a daily periodic rate to the principal in
the account each day.
Accrual of interest on noncash deposits - Interest
begins to accrue on the business day you deposit noncash
items (for example, checks).
Transaction limitations:
You may not make any deposits into your account before
maturity.
You may make withdrawals of principal from your account
before maturity only if we agree at the time you request
the withdrawal. Principal withdrawn before maturity is
29

included in the amount subject to early withdrawal penalty.
You can only withdraw interest credited in the term before
maturity of that term without penalty. You can withdraw
interest any time during the term of crediting after it is
credited to your account.
Early withdrawal penalties - A substantial penalty will be
imposed if any funds deposited in the Account are
withdrawn from the Account before the maturity date. The
penalty will be a loss of 45 days’, interest if the term is 90
days, a loss of 90 days’ interest if the term is less than two
years, 180 days’ interest if the term is two (2) years or
longer but less than (4) years, 270 days’ interest if the
term is four (4) years or longer but less than (5) years, and
365 days’ interest if the term is five (5) years or longer.
The principal amount of the Account will be reduced if the
penalty exceeds the interest earned from the opening or
renewal date up to the date of withdrawal.
In certain circumstances such as the death or
incompetence of an owner of this account, the law
permits, or in some cases requires, the waiver of the early
withdrawal penalty. Other exceptions may also apply, for
example, if this is part of an IRA or other tax-deferred
savings plan.
For any time deposit which earns an interest rate that may
vary from time to time during the term, the interest rate we
will use to calculate this early withdrawal penalty will be
the interest rate in effect at the time of the withdrawal.
Withdrawal of interest prior to maturity - The annual
percentage yield assumes interest will remain on deposit
until maturity. A withdrawal will reduce earnings.
Automatically renewable time account - This account will
automatically renew at maturity. You may prevent renewal if
you withdraw the funds in the account at maturity (or within
the grace period mentioned below, if any) or we receive
written notice from you within the grace period mentioned
below, if any. We can prevent renewal if we mail notice to
you at least 30 calendar days before maturity. If either you
or we prevent renewal, interest will not accrue after final
maturity.
Unless the Bank has otherwise advised You in writing,
Your Account will be automatically renewed. If You
have chosen to have Your Account automatically
renewed, the balance of funds in Your Account will be
automatically renewed on the maturity date of a period
equal to the prior term at the maximum interest rate
offered for that term. If such term is unavailable, Your
Account will, at the bank’s discretion be renewed for
either the nearest shorter term or nearest longer term
at the maximum interest rate offered for that term.
You will have ten calendar days after maturity to withdraw
the funds without a penalty.
However, if your account is renewed and any portion of
the interest renews on deposit after the 10 day grace
period, such interest will become part of the principal for
the renewal term and therefore no longer be available for
withdrawal without penalty.
30

18-MONTH VARIABLE CERTIFICATE
Rate Information - The interest rate on your account is
————% with an annual percentage yield of ————%.
Your interest rate and annual percentage yield may
change. Frequency of rate changes - We may change
the interest rate on your account at any time.
Determination of rate - The interest rate on your account
is based on the six month T-Bill plus 25 basis points.
Compounding frequency - Interest will be compounded
every day.
Crediting frequency - Interest will be credited to your
account every month.
Minimum balance to open the account - You must
deposit $100.00 to open this account.
Daily balance computation method - We use the daily
balance method to calculate the interest on your account.
This method applies a daily periodic rate to the principal in
the account each day.
Accrual of interest on noncash deposits - Interest
begins to accrue on the business day you deposit noncash
items (for example, checks).
Transaction limitations:
The minimum amount you can deposit is $20.00.
There are no limitations on the frequency or timing of
additional deposits.
You may make withdrawals of principal from your account
before maturity only if we agree at the time you request
the withdrawal. Principal withdrawn before maturity is
included in the amount subject to early withdrawal
penalty.
You can only withdraw interest credited in the term before
maturity of that term without penalty. You can withdraw
interest any time during the term of crediting after it is
credited to your account.
Time requirements - Your account will mature —————
———————————————————————————— .
Early withdrawal penalties (a penalty may be imposed
for withdrawals before maturity) The fee we may impose will equal six months simple
interest on the amount withdrawn subject to penalty.
In certain circumstances such as the death or incompetence
of an owner of this account, the law permits, or in some
cases requires, the waiver of the early withdrawal penalty.
Other exceptions may also apply, for example, if this is part
of an IRA or other tax-deferred savings plan.
For any time deposit which earns an interest rate that may
vary from time to time during the term, the interest rate we
will use to calculate this early withdrawal penalty will be
the interest rate in effect at the time of the withdrawal.
Withdrawal of interest prior to maturity - The annual
percentage yield assumes interest will remain on deposit
until maturity. A withdrawal will reduce earnings.
Automatically renewable time account - This account
will automatically renew at maturity. You may prevent
31

renewal if you withdraw the funds in the account at
maturity (or within the grace period mentioned below, if
any). We can prevent renewal if we mail notice to you at
least 30 calendar days before maturity. If either you or we
prevent renewal, interest will not accrue after final
maturity.
Each renewal term will be the same as the original term,
beginning on the maturity date. Interest will be calculated
on the same basis as during the original term.
You will have ten calendar days after maturity to withdraw
the funds without a penalty.
COMMON FEATURES
Please refer to our separate Disclosure of Service
Charges for additional information about charges.
The categories of transactions for which an overdraft fee
may be imposed are those by any of the following means:
check, in-person withdrawal, ATM withdrawal, or other
electronic means.
Check printing....................................(fee depends on style
and quantity of check ordered)
Withdrawals from a time account prior to maturity or prior
to any notice period may be restricted and may be subject
to penalty. See notice of penalty for early withdrawal.

—————————————
YOUR ACCOUNT
These are the accounts you have opened. Further
details about these accounts are inside this brochure.
If the figures are not filled in, please see the insert that
is with this disclosure or your periodic statement.
Account Title:
——————————————————
——————————————————
——————————————————
□ BASIC BANKING ACCOUNT
□ STUDENT ADVANTAGE ACCOUNT
□ CHECKING WITH INTEREST ACCOUNT
Rate Information:
• Tier 1 - If your daily balance is $2,500.00 or more, the
interest rate paid on the entire balance in your account
will be —————% with an annual percentage yield of
—————%.
• Tier 2 - If your daily balance is $2,499.99 or less, the
interest rate paid on the entire balance in your account
will be —————% with an annual percentage yield of
—————%.
□ ACORN CHECKING ACCOUNT
Rate Information:
• Tier 1 - If your daily balance is $75,000.00 or more,
the interest rate paid on the entire balance in your
account will be —————% with an annual percentage
yield of —————%.
32

• Tier 2 - If your daily balance is $50,000.00 or more, but
less than $75,000.00, the interest rate paid on the
entire balance in your account will be —————% with
an annual percentage yield of —————%.
• Tier 3 - If your daily balance is $25,000.00 or more, but
less than $50,000.00, the interest rate paid on the
entire balance in your account will be —————% with
an annual percentage yield of —————%.
• Tier 4 - If your daily balance is $10,000.00 or more, but
less than $25,000.00, the interest rate paid on the
entire balance in your account will be —————% with
an annual percentage yield of —————%.
• Tier 5 - If your daily balance is $9,999.99 or less, the
interest rate paid on the entire balance in your
account will be —————% with an annual percentage
yield of —————%.
□ POWER FLEX MONEY MARKET ACCOUNT
Rate Information:
• Tier 1 - If your daily balance is $25,000.00 or more,
the interest rate paid on the entire balance in your
account will be —————% with an annual percentage
yield of —————%.
• Tier 2 - If your daily balance is $10,000.00 or more, but
less than $25,000.00, the interest rate paid on the
entire balance in your account will be —————% with
an annual percentage yield of —————%.
• Tier 3 - If your daily balance is $9,999.99 or less, the
interest rate paid on the entire balance in your
account will be —————% with an annual percentage
yield of —————%.
□ STATEMENT SAVINGS ACCOUNT
The interest rate for your account is —————%
with an annual percentage yield of —————%.
□ PASSBOOK SAVINGS ACCOUNT
The interest rate for your account is —————%
with an annual percentage yield of —————%.
□ SCHOOL PASSBOOK AND CLUB ACCOUNT
The interest rate for your account is —————%
with an annual percentage yield of —————%.
□ HOLIDAY AND VACATION CLUB ACCOUNTS
The interest rate for your account is —————%
with an annual percentage yield of —————%.
□ CERTIFICATE OF DEPOSIT/IRA
□ Rate Information (fixed rate account) - The interest
rate on your account is —————% with an annual
33

percentage yield of —————%. You will be paid this rate
until maturity. Your account will mature on ————————
———————————————————————————— .
□ Bump Up Option Plan and Rate Information: The
interest rate on your account is —————% with an
annual percentage yield of —————%. Your account will
mature on ——————————————————————— .
□ 18-MONTH VARIABLE CERTIFICATE
The interest rate on your account is —————% with an
annual percentage yield of —————%. Your account will
mature on ——————————.
This interest rate may change at any time.

2849072-020

Rev 6/11

© 1988, 1992, 1995 Wolters Kluwer Financial Services – Bankers Systems™
Form AIB-TIS 8/4/95 8d,9a Custom TCM-35o,2ay,3o,4s

34

10
BKLT

BANKING OFFICES
NASSAU

QUEENS
Main Office - Ridgewood
71-02 Forest Ave., Ridgewood, NY 11385
718-240-4800

Baldwin Harbor
835 Atlantic Ave., Baldwin Harbor, NY 11510
516-223-2835

Astoria
43-14 Ditmars Blvd., Astoria, NY 11105
718-274-5400

Bellmore
2080 Bellmore Ave., Bellmore, NY 11710
516-785-0385

Bayside
208-22 Cross Island Parkway, Bayside, NY 11360
718-423-3508

Franklin Square
1010 Hempstead Tpke.,
Franklin Square, NY 11010
516-775-1010

Breezy Point
202-16 Rockaway Pt. Blvd., Breezy Pt., NY 11697
718-634-3600
Forest Hills
107-55 Queens Blvd., Forest Hills, NY 11375
718-261-2021
Glendale
65-01 Myrtle Ave., Glendale, NY 11385
718-821-8200

Garden City Park
2435 Jericho Tpke., Garden City, NY 11040
516-294-9090
Hicksville
220 Old Country Rd., Hicksville, NY 11801
516-935-0522
169 Old Country Rd., Hicksville, NY 11801
Drive-Up Banking

SUFFOLK

Grand Avenue
74-25 Grand Ave., Elmhurst, NY 11373
718-457-4200

Lindenhurst
317 S. Wellwood Ave., Lindenhurst, NY 11757
631-225-6600

Hollis
205-11 Hillside Ave., Hollis, NY 11423
718-776-9100

West Babylon
50 Farmingdale Rd., West Babylon, NY 11704
631-376-1200

Laurelton
230-22 Merrick Blvd., Laurelton, NY 11413
718-276-3500
Whitestone
25-29 Parsons Blvd., Whitestone, NY 11354
718-961-6900

BRONX
Allerton Avenue
711 Allerton Ave., Bronx, NY 10467
718-882-2220
Crosby Avenue
1745 Crosby Ave., Bronx, NY 10461
718-931-7060
Gun Hill Road
1770 East Gun Hill Road, Bronx, NY 10469
718-671-4600
Jerome Avenue
3445 Jerome Ave., Bronx, NY 10467
718-881-3430
Morris Park
1134 Morris Park Ave., Bronx, NY 10461
718-822-1190

WESTCHESTER
Bronxville
843 Bronx River Road, Bronxville, NY 10708
914-776-1303
New Rochelle
382 Pelham Road, New Rochelle, NY 10805
914-576-3200
Yonkers
670 McLean Ave., Yonkers, NY 10704
914-964-9820

MOBILE BANKING CENTER
917-696-8605
RETIREMENT PLAN SERVICES CENTER
7124 18th Ave., Brooklyn, NY 11204
718-621-1200
CONSUMER LOAN CENTER
67-10 Myrtle Ave., Glendale, NY 11385
718-240-4878

Sedgwick Avenue
3899 Sedgwick Ave., Bronx, NY 10463
718-543-0400

MORTGAGE CENTERS
2435 Jericho Turnpike, GCP, NY 11040
516-294-1101
169 Old Country Road, Hicksville, NY 11801
516-949-3877

Soundview
1626 Bruckner Blvd.., Bronx, NY 10473
718-589-1323

MORTGAGE SERVICING CENTER
67-10 Myrtle Ave., Glendale, NY 11385
718-240-4861

White Plains Road
3824 White Plains Road, Bronx, NY 10467
718-882-0440

BROOKLYN
Bay Ridge
8522-26 3rd Ave., Brooklyn, NY 11209
718-680-9500
Bensonhurst
7124 18th Ave., Brooklyn, NY 11204
718-621-8480
Cobble Hill
244 Court Street, Cobble Hill, NY 11201
718-923-0300

MANHATTAN
73rd Street
1404 2nd Ave., New York, NY 10021
212-327-0800
Yorkville
1646 First Avenue, New York, NY 10028
212-348-2200

www.ridgewoodbank.com

Dyker Heights
70-20 13th Avenue, Dyker Heights, NY 11228
718-238-0060
Sheepshead Bay
2520 East 17th Street, Brooklyn, NY 11235
718-615-4810

35



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