Common use of Unpaid Items Clause in Contracts

Unpaid Items. If we decide not to pay a check or other item drawn on your account, we may return the original, an image or a copy of the item, or we may send an electronic notice of return and keep the original, an image or a copy of the item in our records. If we send an electronic notice of return, you agree that any person who receives that electronic notice may use it to make a claim against you to the same extent and with the same effect as if we had returned the original item. Substitute Checks and Your Rights The following provisions help explain some of the rights a consumer has under a federal law commonly referred to as Check 21. Check 21 was enacted to increase the efficiency of the U.S. check clearing system. The clearing system relies heavily on the physical transport of checks between banks. Check 21 allows banks to create substitute checks and present them to other banks instead of the original check. This reduces the transport of checks among banks and helps enable the electronic collection of checks. 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 substi- tute 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 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 The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).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 proce- dure is limited to the amount of your loss or the amount of the substitute check, whichev- er 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 ex- ceeds 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 receive your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we receive 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 at the telephone number list- ed on your account statement or write to us at: Patriot Bank, N.A. Attn: Deposit Operations 000 Xxxxxxx Xxxxxx Stamford, CT 06901 You must contact us within 45 calendar days of the date that we mailed (or otherwise de- livered 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 con- firm that you suffered a loss; and • A copy of the substitute check or the fol- lowing information to help us identify the substitute check: your account number, the check number, the name of the person to whom you wrote the check, the amount of the check and the date of the check. Notices, Statements and Other Communications General Terms for Notices, Statements and Other Communications Please review promptly all notices, state- ments and other communications we send you. In this section “communications” means all notices, statements and other communica- tions we send you. We will provide communications in English. Many communications will be notices of change affecting your rights and obligations. • Destroy communications that are sent to you and returned to us as being unde- liverable, along with any accompanying checks and other items; • Authorize the post office or an agent to destroy communications, along with ac- companying checks and other items, that the post office informs us are undeliver- able; and • Stop sending communications to you until a new address is provided to us if one or more communications that we mail to you are returned to us as being undeliverable. We are not responsible for communications, checks or other accompanying items lost while not in our possession. Notices When we inform you of changes affecting your rights and obligations, we do so by delivering or otherwise making a notice available to you. In some cases, we may post a notice of a change in our banking offices or on our website. Otherwise, we mail the notice to you at the address we currently show for your statement or, if we have agreed on this method, we provide it to you electronically. We may provide a notice as a message on your statement or as an insert with your statement. If a notice of a change to this Agreement is returned to us as being undeliverable or if we stop sending notices to you because notices or statements we previously sent you were returned to us as being undeliverable, you understand that the notices are available to you through our branches. You agree to that method of delivery and that changes covered in these notices are still effective and binding on you. A notice sent to any one owner is deemed notice to all account owners and is effective for all account owners. Statements We may: • Address communications to one account owner; We provide you with a single statement when there is activity on your checking or savings account. When there is no activity on your account, we may choose not to provide a statement. You may generally obtain an addi- tional copy of your statement for a fee. We recommend that you use our Online Bank- ing service to review your account activity. For checking and money market accounts, we provide you with a monthly statement. Statement cycles generally vary from 28 to 33 days and usually end on the last day of the month. A statement cycle can be shorter than monthly. As examples, a statement cycle may only be a few days in length for the first statement cycle after an account is opened or when a statement date is changed to link accounts for combined statements. If you want to know the date your statement and business cycle ends, call us at 1.888 PATRIOT (0.000.000.0000) during normal business hours. For personal and business savings accounts, we provide you with a quarterly statement. If you have an electronic funds transfer, such as a direct deposit or an ATM withdrawal, to or from your account during any month, we provide a statement for that month.

Unpaid Items. If we decide not to pay a check or other item drawn on your account, we may return the original, an image or a copy of the item, or we may send an electronic notice of return and keep the original, an image or a copy of the item in our records. If we send an electronic notice of return, you agree that any person who receives that electronic notice may use it to make a claim against you to the same extent and with the same effect as if we had returned the original item. Substitute Checks and Your Rights The following provisions help explain some of the rights a consumer has under a federal law commonly referred to as Check 21. Check 21 was enacted to increase the efficiency of the U.S. check clearing system. The clearing system relies heavily on the physical transport of checks between banks. Check 21 allows banks to create substitute checks and present them to other banks instead of the original check. This reduces the transport of checks among banks and helps enable the electronic collection of checks. 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 substi- tute 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 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 proce- dure is limited to the amount of your loss or the amount of the substitute check, whichev- er 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 ex- ceeds 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 receive your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we receive 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 at the telephone number list- ed on your account statement or write to us at: Patriot Bank, N.A. Attn: Deposit Operations 000 Xxxxxxx Xxxxxx Stamford, CT 06901 You must contact us within 45 calendar days of the date that we mailed (or otherwise de- livered 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 con- firm that you suffered a loss; and • A copy of the substitute check or the fol- lowing information to help us identify the substitute check: your account number, the check number, the name of the person to whom you wrote the check, the amount of the check and the date of the check. Notices, Statements and Other Communications General Terms for Notices, Statements and Other Communications Please review promptly all notices, state- ments and other communications we send you. In this section “communications” means all notices, statements and other communica- tions we send you. We will provide communications in English. Many communications will be notices of change affecting your rights and obligations. We may: • Address communications to one account owner; • Destroy communications that are sent to you and returned to us as being unde- liverable, along with any accompanying checks and other items; • Authorize the post office or an agent to destroy communications, along with ac- companying checks and other items, that the post office informs us are undeliver- able; and • Stop sending communications to you until a new address is provided to us if one or more communications that we mail to you are returned to us as being undeliverable. We are not responsible for communications, checks or other accompanying items lost while not in our possession. Notices When we inform you of changes affecting your rights and obligations, we do so by delivering or otherwise making a notice available to you. In some cases, we may post a notice of a change in our banking offices or on our website. Otherwise, we mail the notice to you at the address we currently show for your statement or, if we have agreed on this method, we provide it to you electronically. We may provide a notice as a message on your statement or as an insert with your statement. If a notice of a change to this Agreement is returned to us as being undeliverable or if we stop sending notices to you because notices or statements we previously sent you were returned to us as being undeliverable, you understand that the notices are available to you through our branches. You agree to that method of delivery and that changes covered in these notices are still effective and binding on you. A notice sent to any one owner is deemed notice to all account owners and is effective for all account owners. Statements We may: • Address communications to one account owner; We provide you with a single statement when there is activity on your checking or savings account. When there is no activity on your account, we may choose not to provide a statement. You may generally obtain an addi- tional copy of your statement for a fee. We recommend that you use our Online Bank- ing service to review your account activity. For checking and money market accounts, we provide you with a monthly statement. Statement cycles generally vary from 28 to 33 days and usually end on the last day of the month. A statement cycle can be shorter than monthly. As examples, a statement cycle may only be a few days in length for the first statement cycle after an account is opened or when a statement date is changed to link accounts for combined statements. If you want to know the date your statement and business cycle ends, call us at 1.888 PATRIOT (0.000.000.0000) during normal business hours. For personal and business savings accounts, we provide you with a quarterly statement. If you have an electronic funds transfer, such as a direct deposit or an ATM withdrawal, to or from your account during any month, we provide a statement for that month.

Unpaid Items. If we decide not to pay a check or other item drawn on your account, we may return the original, an image or a copy of the item, or we may send an electronic notice of return and keep the original, an image or a copy of the item in our records. If we send an electronic notice of return, you agree that any person who receives that electronic notice may use it to make a claim against you to the same extent and with the same effect effect as if we had returned the original item. Substitute Checks and Your Rights The following provisions help explain some of the rights a consumer has under a federal law commonly referred to as Check 21. Check 21 was enacted to increase the efficiency efficiency of the U.S. check clearing system. The clearing system relies heavily on the physical transport of checks between banks. Check 21 allows banks to create substitute checks and present them to other banks instead of the original check. This reduces the transport of checks among banks and helps enable the electronic collection of checks. 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 substi- tute 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 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 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 proce- dure is limited to the amount of your loss or the amount of the substitute check, whichev- er 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 ex- ceeds 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 receive your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we receive 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 suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at the telephone number list- ed on your account statement or write to us at: at:‌‌‌ Patriot Bank, N.A. Attn: Deposit Operations 000 Xxxxxxx Xxxxxx Stamford, CT 06901 You must contact us within 45 calendar days of the date that we mailed (or otherwise de- livered 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 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 insufficient to con- firm that you suffered suffered a loss; and • A copy of the substitute check or the fol- lowing information to help us identify the substitute check: your account number, the check number, the name of the person to whom you wrote the check, the amount of the check and the date of the check. Notices, Statements and Other Communications General Terms for Notices, Statements and Other Communications Please review promptly all notices, state- ments and other communications we send you. In this section “communications” means all notices, statements and other communica- tions we send you. We will provide communications in English. Many communications will be notices of change affecting affecting your rights and obligations. We may: • Address communications to one account owner; • Destroy communications that are sent to you and returned to us as being unde- liverable, along with any accompanying checks and other items; • Authorize the post office office or an agent to destroy communications, along with ac- companying checks and other items, that the post office office informs us are undeliver- able; and • Stop sending communications to you until a new address is provided to us if one or more communications that we mail to you are returned to us as being undeliverable. We are not responsible for communications, checks or other accompanying items lost while not in our possession. Notices When we inform you of changes affecting your rights and obligations, we do so by delivering or otherwise making a notice available to you. In some cases, we may post a notice of a change in our banking offices or on our website. Otherwise, we mail the notice to you at the address we currently show for your statement or, if we have agreed on this method, we provide it to you electronically. We may provide a notice as a message on your statement or as an insert with your statement. If a notice of a change to this Agreement is returned to us as being undeliverable or if we stop sending notices to you because notices or statements we previously sent you were returned to us as being undeliverable, you understand that the notices are available to you through our branches. You agree to that method of delivery and that changes covered in these notices are still effective and binding on you. A notice sent to any one owner is deemed notice to all account owners and is effective for all account owners. Statements We may: • Address communications to one account owner; We provide you with a single statement when there is activity on your checking or savings account. When there is no activity on your account, we may choose not to provide a statement. You may generally obtain an addi- tional copy of your statement for a fee. We recommend that you use our Online Bank- ing service to review your account activity. For checking and money market accounts, we provide you with a monthly statement. Statement cycles generally vary from 28 to 33 days and usually end on the last day of the month. A statement cycle can be shorter than monthly. As examples, a statement cycle may only be a few days in length for the first statement cycle after an account is opened or when a statement date is changed to link accounts for combined statements. If you want to know the date your statement and business cycle ends, call us at 1.888 PATRIOT (0.000.000.0000) during normal business hours. For personal and business savings accounts, we provide you with a quarterly statement. If you have an electronic funds transfer, such as a direct deposit or an ATM withdrawal, to or from your account during any month, we provide a statement for that month.

Unpaid Items. ‌ If we decide not to pay a check or other item drawn on your account, we may return the original, an image or a copy of the item, item or we may send an electronic notice of return and keep either the original, an image or a copy of the item in our records. If we send an electronic notice of return, you agree that any person who receives that electronic notice may use it to make a claim against you to the same extent and with the same effect effect as if we had returned the original item. Substitute Checks and Your Rights Rights‌ The following provisions help explain some of the rights a consumer has under a federal law commonly referred to as Check 21. Check 21 was enacted to increase the efficiency efficiency of the U.S. check clearing system. The clearing system relies heavily on the physical transport of checks between banks. Check 21 allows banks to create substitute checks and present them to other banks instead of the original check. This reduces the transport of checks among banks and helps enable the electronic collection of checks. While the provisions referenced with Check 21 are not binding on overseas operations such as Community Bank, we generally follow the same or similar procedures. However, we have no liability to you if we deviate from these procedures in any given instance. This section applies only to accounts held by consumers. What is a substitute check? 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 substi- tute substitute check as proof of payment just like the original check. Some or all of the checks that you may 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? checks?‌ In certain cases, federal law provides a special procedure that allows allowing you to request a refund for losses you suffer 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 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 returned check fees). The amount of your refund under this proce- dure procedure is limited to the amount of your loss or the amount of the substitute check, whichev- er 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 ex- ceeds 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 receive received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we receive 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? refund?‌ If you believe that you have suffered suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at the telephone number list- ed listed on your account statement statement, or write to us at: Patriot BankCommunity Bank 300 Xxxxxxx Xx., N.A. Attn: Deposit Operations Xxx. 000 Xxxxxxx Xxxxxx StamfordXxx Xxxxxxx, CT 06901 XX 00000 You must contact us within 45 40 calendar days of the date that we mailed (or otherwise de- livered 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 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 insufficient to con- firm that confirm you suffered suffered a loss; and • A copy of the substitute check or the fol- lowing following information to help us identify the substitute check: your account number, the check number, the name of the person to whom you wrote the check, the amount of the check and the date of the check. Notices, Statements and Other Communications General Terms for Notices, Statements and Other Communications Please review promptly all notices, state- ments and other communications we send you. In this section “communications” means all notices, statements and other communica- tions we send you. We will provide communications in English. Many communications will be notices of change affecting your rights and obligations. • Destroy communications that are sent to you and returned to us as being unde- liverable, along with any accompanying checks and other items; • Authorize the post office or an agent to destroy communications, along with ac- companying checks and other items, that the post office informs us are undeliver- able; and • Stop sending communications to you until a new address is provided to us if one or more communications that we mail to you are returned to us as being undeliverable. We are not responsible for communications, checks or other accompanying items lost while not in our possession. Notices When we inform you of changes affecting your rights and obligations, we do so by delivering or otherwise making a notice available to you. In some cases, we may post a notice of a change in our banking offices or on our website. Otherwise, we mail the notice to you at the address we currently show for your statement or, if we have agreed on this method, we provide it to you electronically. We may provide a notice as a message on your statement or as an insert with your statement. If a notice of a change to this Agreement is returned to us as being undeliverable or if we stop sending notices to you because notices or statements we previously sent you were returned to us as being undeliverable, you understand that the notices are available to you through our branches. You agree to that method of delivery and that changes covered in these notices are still effective and binding on you. A notice sent to any one owner is deemed notice to all account owners and is effective for all account owners. Statements We may: • Address communications to one account owner; We provide you with a single statement when there is activity on your checking or savings account. When there is no activity on your account, we may choose not to provide a statement. You may generally obtain an addi- tional copy of your statement for a fee. We recommend that you use our Online Bank- ing service to review your account activity. For checking and money market accounts, we provide you with a monthly statement. Statement cycles generally vary from 28 to 33 days and usually end on the last day of the month. A statement cycle can be shorter than monthly. As examples, a statement cycle may only be a few days in length for the first statement cycle after an account is opened or when a statement date is changed to link accounts for combined statements. If you want to know the date your statement and business cycle ends, call us at 1.888 PATRIOT (0.000.000.0000) during normal business hours. For personal and business savings accounts, we provide you with a quarterly statement. If you have an electronic funds transfer, such as a direct deposit or an ATM withdrawal, to or from your account during any month, we provide a statement for that month.check.‌