Bridgehampton National Bank 2200 Montauk Highway P.O. Box 3005 Bridgehampton, NY 11932 Toll Free 855-702-8344 www.bridgenb.com

January 14, 2014 We are pleased to welcome you to the Bridgehampton National Bank (BNB) family. For over 100 years we have been committed to the mission of community banking, developing personal relationships, delivering a high level of service through experienced local professionals and making a difference in the neighborhoods where we live and work. We share these values with the First National Bank of New York (FNBNY). As a BNB customer, you will continue to receive the personal service and quality products that you have enjoyed as a FNBNY customer. On Tuesday, February 18, 2014 you will become a BNB customer. Your branches in Massapequa, Melville, and Merrick will reopen as BNB. Your account numbers will remain the same, and you may continue to use your current supply of checks. You will also be receiving a new Bridgehampton National Bank Debit MasterCard® prior to January 31, 2014 in anticipation of the final integration. With BNB, you will have full access to all of our products and services including our extensive ATM network and our 26 branch locations, which include the former FNBNY branches, as well as locations in Patchogue, Ronkonkoma, Hauppauge and Deer Park, plus branches on both the North and South Forks of Long Island. This spring, you can also expect surcharge free access to an expanded ATM network including nearly 600 Rite Aid Pharmacies in NY. The package of information that is included with this letter is your guide to account changes, important account information and account disclosures for both deposit and loan accounts. Included are: x x x x x x x

A list of BNB locations and hours. A Product Comparison of your FNBNY accounts and your new BNB accounts. The Account Service Charge Disclosure for the new fees that may affect your account, along with Other Important Information About Your Account. The BNB Privacy Policy. Your Electronic Funds Transfer Rights and Responsibilities. A Funds Availability Policy A Notice of Transfer of Servicing Rights for your residential mortgage loan product(s).

Please carefully review the material, and don’t hesitate to ask us questions. You may call us Toll Free at 855-702-8344. And, pay a visit to our website, www.bridgenb.com to get to know us better. We value your relationship and look forward to providing you with exceptional BNB service for many years to come.

Sincerely,

J James JJ. M Manseau Executive Vice President Chief Retail Banking Officer

Please take note of the change in hours for FNBNY branches:

Lobby Monday through Thursday 8:30 AM through 4:00 PM Friday 8:30 AM through 6:00 PM Saturday 9:00 AM through 1:00 PM Drive-thru Monday through Thursday 8:30 AM through 4:30 PM Friday 8:30 AM through 6:00 PM Saturday 9:00 AM through 1:00 PM

For other branch hours, please visit our website www.bridgenb.com.

BNB Branches Bridgehampton – Headquarters 2200 Montauk Highway, Bridgehampton, NY 11932

Southampton Village 150 Hampton Road, Southampton, NY 11968

Center Moriches 15 Frowein Road, Suite A-3, Center Moriches, NY 11934

Southampton - Windmill Lane 243 Windmill Lane, Southampton, NY 11968

Cutchogue 32485 Main Road, Cutchogue, NY 11935

Southold 54970 Main Road, Southold, NY 11971

Deer Park 410 Commack Road, Deer Park, NY 11729

Wading River 6324 Route 25A, Wading River, NY 11792

East Hampton 8 Gingerbread Lane, East Hampton, NY 11937

Westhampton Beach 194 Mill Road, Westhampton, NY 11978

East Hampton Village 55 Main Street, East Hampton, NY 11937 Greenport 218 Front Street, Greenport, NY 11944 Hampton Bays 48 East Montauk Highway, Hampton Bays, NY 11946 Hauppauge 898 Veterans Memorial Hwy., Suite 240, Hauppauge, NY 11788 Mattituck Mattituck Plaza, 10095 Main Road, Mattituck, NY 11952 Montauk 3 The Plaza, Montauk, NY 11954 Patchogue 41 Main Street, Suite 1, Patchogue, NY 11772 Peconic Landing 1500 Brecknock Road, Greenport, NY 11944 Rocky Point 75 Route 25A, Rocky Point, NY 11778 Ronkonkoma 4155 Veterans Memorial Hwy., Suite 1-2, Ronkonkoma, NY 11779 Sag Harbor 2 Bay Street, Sag Harbor, NY 11963 Shelter Island 21 North Ferry Road, Shelter Island, NY 11964 Shirley 630 Montauk Highway, Shirley, NY 11967

ATM ONLY Locations Handy Pantry Locations 876 Church Street, Bohemia, NY 11716 1897 Route 112, Coram, NY 11727 1202 Grundy Ave., Holbrook, NY 11741 238 Moriches-Middle Island Rd, Manorville, NY 11949 630 Mastic Road, Mastic NY 11950 321 Neighborhood Road, Mastic Beach, NY 11951 12250 Route 25, Mattituck, NY 11952 279 Smithtown Blvd., Nesconset, NY 11767 684 Route 25A, Rocky Point, NY 11778 821 Portion Road, Ronkonkoma, NY 11779 280 Echo Avenue, Sound Beach 11789 Citarella 2209 Montauk Highway, Bridgehampton, NY 11932 2 Pantigo Road, East Hampton, NY 11937 East Hampton Town Hall 159 Pantigo Road, East Hampton, NY 11937 LI Aquarium & Exhibition Center 431 East Main Street, Riverhead, NY 11901 North Ferry 135 South Ferry Road, Shelter Island, NY 11964 Southampton Town Hall 116 Hampton Road, Southampton, NY 11968 Southampton Justice Court 32 Jackson Ave; Suite B, Hampton Bays, NY 11946

Consumer Product Comparison Demand Deposits See enclosed Account Service Charge Disclosure for related fees and minimum balance requirements which may adversely affect your account. If your FNBNY Demand Deposit account is: Totally Free Checking

Your BNB account will become:

Effective February 18, 2014- The important changes to the terms and conditions of your Account are outlined below. Please note adverse changes denoted in bold text.

Green Checking

Student Checking Preferred Money Market

Bridge High Yield MMA

Executive Checking with Interest

NOW Personal

MVP Checking with Interest Advantage Checking with Interest NOW Super NOW

NOW Personal

You must maintain a minimum average daily balance† of $2,500 to obtain the disclosed annual percentage yield

50 Plus Free Checking Money Market

Premier Personal MMA

Passport Money Market †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.

Business Product Comparison If your FNBNY account is:

Attorney NOW Business Checking Attorney Master Escrow

Your BNB account will become:

NOW Non Personal

Effective February 18, 2014-The important changes to the terms and conditions of your Account are outlined below. You must maintain a minimum average daily balance† of $2,500 to obtain the disclosed annual percentage yield

Non Personal Checking

Client Escrow

Attorney/Client

Business Money Market

Premier Non Personal MMA

Escrow Management

Landlord Holding Savings

You must maintain a minimum average daily balance† of $100 to obtain the disclosed annual percentage yield

This product is not accessible through online banking

†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.

Consumer Product Comparison Savings Accounts See enclosed Account Service Charge Disclosure for related fees and minimum balance requirements which may adversely affect your account If your FNBNY Savings account is:

Your BNB account will become:

Holiday Savings Passbook Holiday Savings Statement Holiday Savings Statement

Effective February 18, 2014- The important changes to the terms and conditions of your Account are outlined below. Please note adverse changes denoted in bold text. Interest will be credited to your account on an annual basis Proceeds can be transferred to a BNB account or may be withdrawn by you (see branch for more details)

IRA Money Market IRA Money Market Passbook Passport IRA Money Market Passbook Passport IRA Money Market Preferred Money Market IRA

IRA MMA

You must maintain a minimum average daily balance† of $500 to obtain the disclosed annual percentage yield

Preferred Money Market IRA Passbook IRA Saving Passbook IRA Savings Minor Savings Passbook Kids Savings Passbook UTMA Savings1 Kid Savings Statement Student Savings Statement Vacation Savings Statement

Minor Savings Personal Statement Savings You must maintain a minimum average daily balance† of $100 to obtain the disclosed annual percentage yield

Student Savings Passbook Vacation Savings Passbook Super Saver

You must maintain a minimum average daily balance† of $100 to obtain the disclosed annual percentage yield

Personal Passbook Savings

Personal Statement Savings

Optimal Savings Statement Money Market Passbook Super Saver Passbook Optimal Savings Passbook

Personal Passbook Savings

You must maintain a minimum average daily balance† of $100 to obtain the disclosed annual percentage yield

Passport Money Market Passbook Preferred Money Market Passbook †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. 1

Accounts established under the Uniform Gifts to Minors Act (UGMA) will be transferred into a UTMA Savings Account.

Loan Product Comparison Effective February 15, 2014 - Your current Loan Account will convert automatically with the same term and conditions as your previous Loan Account. The new name of your Loan will appear on your first statement received after February 15, 2014. SEND ALL PAYMENTS DUE ON OR AFTER FEBRUARY 15, 2014 MADE PAYABLE TO: BRIDGEHAMPTON NATIONAL BANK 15 FROWEIN ROAD, SUITE A-3 CENTER MORICHES, NEW YORK 11934 Important changes to the Billing Method will affect the following Loan Accounts. FNBNY Loan account

Important changes to the billing method

Commercial Mortgage Construction Loan Co-op Loan Multi-Family/Mixed Use Loan Non-owner Occupied Residential Family 1-4

Your monthly payment will now accrue interest through the date your bill is produced. The interest portion of your monthly payment may decrease for the first month due to the decreased number of days in that billing cycle.

Owner Occupied Residential Family 1-4 Secured Business Loan* Unsecured Business Loan* *

The Business Loan (secured or unsecured) will be converted into either a Commercial LOC or a Business Term Loan whichever we believe would be a better match for you. However, only the Commercial LOC account will experience a change in the first billing payment as described above.

Other Important Information About Your Account Debit Cards You will be receiving a new Bridgehampton National Bank MasterCard® debit card in the mail by January 31, 2014. If you have not received your card please call us Toll Free at 855-702-8344. Please refer to the Electronic Funds Transfer Rights and Responsibilities disclosure for your changes in terms. As of February 18, 2014, the ATM fees charged at non-BNB ATMs will no longer be refunded. For your convenience a list of BNB ATM locations has been included in this package and is also available on our website at www.bridgenb.com. Telephone Banking Beginning on Friday, February 14th at approximately 4:00 PM EST telephone banking at FNBNY will be inquiry only; transactions will not be available. Beginning Tuesday, February 18th, full service telephone banking will be available through Bridgehampton National Bank by calling 631-537-FONE (3663). Your current user ID and PIN will allow access to BNB’s Teller*Fone Banking. Consumer Online Banking & Bill Pay You can access online banking and bill pay by logging onto our website www.bridgenb.com and clicking on Bridge Online Banking. Your current access id and password will allow access. Detailed information will be sent separately to all Online Banking Customers. Business Online Banking You will receive a separate letter with new log in credentials prior to conversion. For a demo of Bridge Business Connect (BBC) please log on to our website www.bridgenb.com and go to the Quick Links section. E-Statements Customers currently enrolled in Electronic Statements will be required re-enroll through Bridge Online Banking after conversion weekend, otherwise paper statements will be mailed to the mailing address we have on file. Mobile “Easy Deposit” Capture Mobile “Easy Deposit” Capture feature will no longer be available through Mobile Banking as of February 12, 2014; we apologize for any inconvenience this may cause you. Check Images In an effort to preserve our environment and “Go Green” your checking account statement will no longer include check images on consumer accounts. You may view, print and save check images by logging into Bridge Online Banking from our website www.bridgenb.com. Or switch to our Basic Banking in order to continue to receive your check images. Please visit your nearest branch for more details. Certificates of Deposit Your existing FNBNY Certificate(s) of Deposit (CDs) and Individual Retirement Accounts (IRAs) will automatically renew at their same term. The new name of your CD product will appear on the CD Maturity Notice which you will receive within 30 days of your CD maturity date. In addition, your existing CD(s) will no longer receive periodic statements. For more information about your CD(s), please stop by your local branch and speak with a Banking Representative. Loan Servicing Fees Effective March 5th All Loans: Returned Payment Fee

$35.00

Line of Credit: Over Limit Fee

$40.00

Coverage During the Bridgehampton/First National Bank of New York Merger Separate insurance coverage will be maintained for six months after the merger for customers who have deposits at both institutions. This will only matter if your combined total exceeds the standard maximum deposit insurance amount. A special merger rule exists for CDs issued by an acquired bank. Separate insurance for CDs issued by the acquired bank is maintained until maturity. IF… CD Matures within six months after the merger

AND… is renewed for the same amount and for the same term…

THEN… CD remains separately insured from accounts at acquiring bank until maturity.

CD Matures within six months after the merger

is renewed for a different amount or term…

separate coverage is provided only for the six months from the merger date.

CD does not mature within six months after merger

separate coverage ends upon maturity of the CD.

BELOW ARE CHANGES TO YOUR ACCOUNT SERVICE FEES THAT WILL TAKE EFFECT FEBRUARY 18, 2014 (ADVERSE CHANGES ARE DENOTED IN BOLD TEXT)

Account Service Charge Disclosure Minimum Balance Service Charges (Based on any day during the month unless otherwise noted)

Personal Accounts: Checking Bridge High Yield MMA (average available balance less than $2,500.00) Premier MMA (average available balance less than $2,500.00) NOW Account (average available balance less than $2,500.00) Personal Checking (average available balance less than $1,500.00)

Monthly Fee $15.00 $15.00

Cashier’s Check Money Order (valid up to $1,000.00 each) Check Orders

$15.00

CDs

$12.00

CD Interest Check

NO Minimum Balance Accounts Minor Passbook Savings Select Advantage Banking (50+ Customers) Basic Banking Green Checking (Fee waived when enrolled in eStatements)

FREE

$10.00 $5.00 Varies

$5.00

Collections

Savings Statement/Passbook Savings (average available balance less than $500.00) UTMA Savings (average available balance less than $100.00) Bridge Premium Savings (average available balance less than $500.00) Client Escrow (average available balance less than $500.00)

Bridge Online Banking Bridge Teller*Fone Banking 537-FONE (3663)

$5.00 $5.00 $5.00 $5.00 No Fee No Fee $3.00 $12.00

Business Accounts: Minimum Average Daily Balance for up to 250 Items per month: $0.00 – $10,000.00 $10,000.01 and Above

$12.00 No Fee

Minimum Average Daily Balance for over 250 Items per month: $0.00 – $20,000.00 $20,000.01 and Above

$25.00 No Fee

Debtor in Possession

$50.00

Incoming/Outgoing Deposit Checks (Foreign) Foreign Currency Orders

$40.00 $25.00 $25.00

Debit Activity Excessive Transaction Fee (MMF & SAV) per item

$10.00

Miscellaneous Fees $4.00 Gift Card $10.00 Inactivity Monthly Fee (DDA inactive after 12 months) $50.00 IRA Transfer Fee (plus cost of instrument) $15.00 Legal Consular/Other Letter $10.00 Lost Passbook Fee $25.00 Medallion Signature Guarantee $1.00 Photocopies and Faxes (per page) $5.00 Printed Copy of Statement (no images) $1.00 Reprint image cleared within 10 years (per item) $50.00 Research Fee (per hour) $75.00 Securities Purchase Fee $125.00 Service Legal Papers By Third Party Surety Bond – Based on Insurer’s Rate & Face Amount of Instrument

Return Mail ATM/Debit Card Transactions Non-BNB Terminal Transactions – Per withdrawal Replacement Card Fee Overnight Delivery new/replacement Debit Card

Per Month – (maximum charge 3 months) $1.00* $5.00 $35.00

*When you use an ATM not owned by us, you may be charged a fee for each withdrawal, transfer and inquiry by the ATM operator.

Checks $35.00 Check/ACH Presented Against Non-Sufficient (NSF) or Uncollected (UCF) Funds $15.00 Returned Deposited/Cashed Checks (Chargebacks) Daily Deficit Balance Fee (after 2nd business day) 16% Per annum $1.00 Counter Checks – per check $5.00 Deposit Correction (per deposit) $10.00 Multiple Signature Requirement Fee (per Month) $25.00 Stop Payment $75.00 Letter of Protest

$15.00

Safe Deposit Safe Deposit Box Annual Rental – Fee Varies Depending on Box Size $5.00 Direct Billing Fee $10.00 Late Fee $30.00 Lost Key Fee $200.00 Break-In Fee

Wires Domestic Outgoing Domestic Incoming Foreign Outgoing

$30.00 $15.00 $40.00

11/2013

For Consumer Customers Only

 

 
  
  
   

 
 

%5

&** &(
+),*&"/
%++/"
%+3
0%"5
/%."
5+1.
,"./+*(
&*#+.)0&+*
"!".(
(3
$&2"/ +*/1)"./
0%"
.&$%0
0+
(&)&0
/+)"
10
*+0
((
/%.&*$
"!".(
(3
(/+
."-1&."/
1/
0+
0"(( 5+1
%+3
3"
+((" 0
/%."
*!
,.+0" 0
5+1.
,"./+*(
&*#+.)0&+*
("/"
."! 0%&/
*+0& " ."#1((5
0+
1*!"./0*!
3%0
3"
!+

%0

%"
05,"/
+#
,"./+*(
&*#+.)0&+*
3"
+((" 0
*!
/%."
!","*!
+*
0%"
,.+!1 0
+.
/".2& " 5+1
%2"
3&0%
1/
%&/
&*#+.)0&+*
*
&* (1!"




+ &(
" 1.&05
*1)".
*!
&* +)" +1.  +1*0
(* "/
*!
,5)"*0
%&/0+.5 +1. ."!&0
%&/0+.5
*! %" '&*$
 +1*0
&*#+.)0&+*

%"*
5+1
." 
 +1.
1/0+)".
3"
+*0&*1"
0+
/%."
5+1.
&*#+.)0&+*
/
!"/ .&"! &*
0%&/
*+0& "

+3

((
#&** &(
+),*&"/
*""!
0+
/%."
1/0+)".8/
,"./+*(
&*#+.)0&+*
0+
.1*
0%"&. "2".5!5
1/&*"//
*
0%"
/" 0&+*
"(+3
3"
(&/0
0%"
."/+*/
#&** &(
+),*&"/
*
/%." 0%"&.
1/0+)"./8
,"./+*(
&*#+.)0&+*
0%"
."/+*/ .&!$"%),0+*
0&+*( *' %++/"/ 0+
/%."
*!
3%"0%".
5+1
*
(&)&0
0%&/
/%.&*$

$ 1.-1
5$
" -
1' 0$
6.30
/$01.- +
(-%.0, 2(..0
.30
$4$06# 6
!31(-$11
/30/.1$1 7 1 %
/
0+
,.+ "//
5+1.
0.*/ 0&+*/ )&*0&*
5+1.  +1*0/
."/,+*!
0+
+1.0
+.!"./
*!
("$( &*2"/0&$0&+*/
+.
.",+.0
0+
."!&0
1."1/ .0
.30
, 0*$2(-&
/30/.1$1 7 +
+##".
+1.
,.+!1 0/
*!
/".2& "/
0+
5+1

.$1 0(#&$' ,/2. 2(.- +
 -* 1' 0$

 -
6.3
+(,(2
2'(1 1' 0(-&













.0
.30
%%(+( 2$18
$4$06# 6
!31(-$11
/30/.1$1 7 *#+.)0&+*
+10
5+1.
0.*/ 0&+*/
*!
"4,".&"* "/





.0
.30
%%(+( 2$18
$4$06# 6
!31(-$11
/30/.1$1 7 *#+.)0&+*
+10
5+1.
."!&03+.0%&*"//



"
!+
*+0
/%."



"
!+
*+0
/%."



"
!+
*+0
/%."

.0
).(-2
, 0*$2(-&
5(2'
.2'$0
%(- -"( +
".,/ -($1 7

.0
.30
%%(+( 2$1 2.
, 0*$2 2.
6.3 .0
-.- %%(+( 2$1
2.
, 0*$2
2.
6.3

1"/0&+*/

((  +.
$+
0+ 333.&!$"* +)

Rev. 10-29-13

$"


'.
5$
0$ '.
(1
/0.4(#(-&
2'(1
-.2("$

0(#&$' ,/2.-  2(.- +
 -*

' 2
5$
#. .5
#.$1
0(#&$' ,/2.-
 2(.- +
 -* /0.2$"2
,6
/$01.- +
(-%.0, 2(.-

.5
#.$1
0(#&$' ,/2.-
 2(.- +
 -* ".++$"2
,6
/$01.- +
(-%.0, 2(.-

'6
" -82

+(,(2
++
1' 0(-&

+
,.+0" 0
5+1.
,"./+*(
&*#+.)0&+*
#.+)
1*10%+.&6"!
 "//
*! 1/"
3"
1/"
/" 1.&05
)"/1."/
0%0
+),(5
3&0%
#"!".(
(3
%"/" )"/1."/
&* (1!" +),10".
/#"$1.!/
*!
/" 1."!
#&("/
*!
1&(!&*$/ $
, (-2 (-
/'61(" +
$+$"20.-("
-# /0."$#30 + 1$"30(26 ,$ 130$1 2. /0.2$"2
6.30
/$01.- +
(-%.0, 2(.- 5'("'
+1. (-"+3#$1 0$120("2(-& $,/+.6$$ ""$11 2.
.-+6
2'$ (-%.0, 2(.- 2'$6 -$$#
2.
11(12 6.3 "
+((" 0
5+1.
,"./+*(
&*#+.)0&+*
#+.
"4),("
3%"*
5+1
+,"*
*
 +1*0 +.
!",+/&0
)+*"5
/%+3
1/
5+1. !.&2".8/ (& "*/" +.
,,(5
#+.

(+*
1/"
5+1.
."!&0
+.
!"&0
.! "
(/+
+((" 0
5+1. ,"./+*(
&*#+.)0&+*
#.+)
+0%"./
/1 %
/
."!&0 1."1/ ##&(&0"/
+.
+0%". +),*&"/ "!".(
(3
$&2"/
5+1
0%"
.&$%0
0+
(&)&0
+*(5
%.&*$ #+.
##&(&0"/8
"2".5!5
1/&*"//
,1.,+/"/ 7 &*#+.)0&+* +10
5+1.
."!&03+.0%&*"//
##&(&0"/
#.+)
1/&*$
5+1.
&*#+.)0&+*
0+
).'"0
0+
5+1
%.&*$
#+.
*+*##&(&0"/
0+
).'"0
0+
5+1 00"
(3/
*!
&*!&2&!1(
+),*&"/
)5
$&2"
5+1
!!&0&+*(
.&$%0/
0+ (&)&0
/%.&*$

$%(-(2(.-1

%%(+( 2$1

.- %%(+( 2$1

.(-2
, 0*$2(-&

+),*&"/
."(0"!
5
+))+*
+3*"./%&,
+.
+*0.+(
%"5
*
" #&** &(
*!
*+*#&** &(
+),*&"/
     
 
"


  #  
 


 
        

   

    
 

 
 #
  
 
 +),*&"/
*+0
."(0"!
5
+))+*
+3*"./%&,
+.
+*0.+(
%"5
*
" #&** &(
*!
*+*#&** &(
+),*&"/
 


 
  

 
"    
#
 
 

# 


#+.)(
$."")"*0
"03""*
*+*##&(&0"!
#&** &(
+),*&"/
0%0 0+$"0%".
).'"0
#&** &(
,.+!1 0/
+.
/".2& "/
0+
5+1
 

   
 
!
!#
   
!
 

2'$0
(,/.02 -2
(-%.0, 2(.-

BELOW ARE IMPORTANT CHANGES TO YOUR ELECTRONIC FUNDS TRANSFERS THAT WILL TAKE EFFECT FEBRUARY 18, 2014 (ADVERSE CHANGES ARE DENOTED IN BOLD TEXT) Electronic Fund Transfers Rights and Responsibilities The following sets forth your rights and obligations for Electronic Fund Transfers. Please note that not all listed transfers may be applicable to your account.

Consumer Liability 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.

Contact in Event of Unauthorized Transfer If you believe your card and/or code has been lost or stolen, call or write us at: Bridgehampton National Bank Attn: Electronic Banking Services P.O. Box 3005 Bridgehampton, NY 11932 (800) 554-8969 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Business Days For purposes of these disclosures, our business days are Monday through Friday. Holidays are not included.

Transfer Types and Limitations a) Account Access. You may authorize certain direct deposits to your checking or savings account. You may authorize certain bills and other payments to be deducted from your checking or savings accounts. A merchant may convert your check in payment for merchandise or services into an electronic funds transfer from your account. You may access your accounts using your card and/or code by: 1) Telephone at (631) 537-3663 2) Automated Teller Machine 3) Computer Online Banking at www.bridgenb.com 4) Bridge Mobile Banking You may use your card and/or code to: 1) Withdraw cash from your checking or savings account. 2) Make deposits to your checking or savings account. 3) Transfer funds between your checking and savings accounts. 4) Pay for purchases at places that have agreed to accept the card and/or code. Rev 10/2013

5) Obtain balance information on your deposit accounts. Some of these services may not be available at all terminals. b) 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: 1) Pay for purchases. 2) Pay bills. c) Limitations on Frequency of Transfers For Savings Accounts (including Money Market Deposit Accounts), you may make no more than six (6) transfers and withdrawals, per monthly statement cycle, to one of your other accounts or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card or similar order (or any combination thereof) made by you and payable to third parties. d) Limitations on Dollar Amounts of Transfers 1) You may withdraw up to $600.00 from automated teller machine terminals each day by using your card and/or code. 2) You may buy up to $1,500 worth of goods or services each day by using the card and/or code for point-of-sale transactions. This amount is reduced by any automated teller machine withdrawal made on the same day.

Fees We will charge you a fee in accordance with the Account Service Charge Disclosure each time you use an automated teller machine that is not owned by Bridgehampton National Bank. Except as previously noted, we do not charge for Electronic Fund Transfers.

Confidentiality As detailed more fully in our Privacy policy statement, 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) If you give us your written permission; or 5) Under such circumstances not prohibited by law, where we determine that disclosure is necessary or appropriate.

Documentation a)

Terminal Transfers. You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or a merchant’s point-of-sale terminal. You can also print receipts pertaining to your Online Banking transactions through your Internet browser. If you perform more than one transfer at a time, your receipt may contain information about more than one transaction. b) 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 at (631) 537-1000 to find out whether or not the deposit has been made. c) Periodic Statements. You will get a monthly account statement unless there are no transfers in a particular month. In any case you will get the statement at least quarterly. d) Passbook Account (where the only possible electronic fund transfers are preauthorized credits). If you bring your passbook to us, we will record any electronic deposits that were made to your account since the last time you brought in your passbook.

Preauthorized Payments a)

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’s how: Call us at (631) 537-1000, or write us at Bridgehampton National Bank, P.O. Box 3005, Bridgehampton, NY 11932, 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 will also require you to put your request in writing and get it to us within 14 days after you call or it shall cease to remain in force. We will charge you a fee for each stop-payment order you give as specified in the Account Service Charge Disclosure. b) 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.) c) 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 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 the Bank does not receive sufficient information from you to complete the transaction. Rev 10/2013

2) 3) 4) 5) 6)

If, through no fault of ours, you do not have enough money available in your account to make the transfer. If the transfer would go over the credit limit on your overdraft line. If the automated teller machine where you are making the transfer does not have enough cash. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. 7) If your card or code was reported lost or stolen. 8) If your card, code or account has been closed or cancelled. 9) There may be other exceptions stated in our agreement with you.

ATM Fees When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used, as well as by us (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Error Resolution Notice In Case of Errors or Questions About Your Electronic Transfers write to us or call us at the address and telephone numbers listed in this section as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent 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 after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days 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. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, write or call us at:

Bridgehampton National Bank Attn: Electronic Banking Services P.O. Box 3005 Bridgehampton, NY 11932 (631) 537-1000 Non-Usage of Access Device a) ATM Debit Card. If you do not use your ATM Debit Card for a period of one year, the card will be deactivated and will no longer be valid. b) Online Banking. If you do not use Online Banking for a period of 6-months, your online banking profile and user ID will be deactivated.

ATM Consumer Safety Information To assist in ensuring your personal safety, while using an automated teller machine (“ATM”), customers should consider employing the following safety precautions: x The activity of the ATM facility is being recorded by a surveillance camera(s). x Customers should close the entry door completely upon entering and exiting the ATM facility. x Customers should not permit any unknown persons to enter the ATM facility after regular banking hours. x Customers should place withdrawn cash securely upon their person before exiting the ATM facility. x Complaints concerning security at the ATM facility should be directed to the Bank’s Security Department at (631) 537-1000 or the NYS Department of Financial Services at (877) BANK-NYS (877-226-5697). Rev 10/2013

EFFECTIVE FEBRUARY 18, 2014 FUNDS AVAILIBILITY POLICY (ADVERSE CHANGES ARE DENOTED IN BOLD TEXT) YOUR ABILITY TO WITHDRAW FUNDS Our policy is to delay the availability of funds from your cash and check deposits. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks that you have written. DETERMINING THE AVAILABILITY OF A DEPOSIT The length of the delay is counted in business days from the day of your deposit. 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 3:00P.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. If you make a deposit at an ATM before 2:00 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 at an ATM after 2:00 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. The length of the delay varies depending on the type of deposit and is explained below. Same-Day Availability Funds from cash, electronic direct deposits and wire transfers to your account will be available on the business day we receive the deposit. Next-Day Availability Funds from the following deposits are available on the first business day after the day of your deposit: x x x

deposits made at the ATM U.S. Treasury checks that are payable to you. Checks drawn on The Bridgehampton National Bank.

If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: x

State and local government checks that are payable to you (if you use a special deposit slip available from our tellers*).

x

Cashier's, certified, and teller's checks that are payable to you (if you use a special deposit slip available from our tellers*).

x

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:

Type of Funds Deposited All other checks

When funds are available

When funds are available if a deposit is made on a Monday

$500 on the first business day after the day of your deposit

Tuesday

Remaining funds on the second business day after the day of your deposit

Wednesday

Longer Delays May Apply Funds you deposit by check may be delayed for a longer period under the following circumstances: ¾

We believe a check you deposit will not be paid.

¾

You deposit checks totaling more than $5,000 on any one day.

¾

You redeposit a check that has been returned unpaid.

¾

You have overdrawn your account repeatedly in the last six months.

¾

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 cash, electronic direct deposits and wire transfers to your account will be available on the business day we receive the deposit. Funds from deposits made at the ATM, 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 (and you may have to use a special deposit slip*). The excess over $5,000 will be available on the seventh 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 second business day after the day of your deposit.

* Special deposit slips are available upon request

4/8/2013

NOTICE OF SERVICING TRANSFER The servicing of your mortgage loan is being transferred, effective February 15, 2014. This means that after this date, a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change. First National Bank of New York is now collecting your payments. First National Bank of New York will stop accepting payments received from you after February 14, 2014. Bridgehampton National Bank will collect your payments going forward. Your new servicer will start accepting payments received from you on February 15, 2014. SEND ALL PAYMENTS DUE ON OR AFTER FEBRUARY 15, 2014 TO BRIDGEHAMPTON NATIONAL BANK AT THIS ADDRESS: 15 FROWEIN ROAD, SUITE A-3, CENTER MORICHES, NEW YORK 11934. If you have any questions for either your present servicer, First National Bank of New York or your new servicer Bridgehampton National Bank, about your mortgage loan or this transfer, please contact them using the information below: Current Servicer: First National Bank of New York Loan Servicing Department Toll-free Telephone Number (855) 702-8344 538 Broadhollow Road, Suite 301 Melville, New York 11747

New Servicer: Bridgehampton National Bank Loan Operations Department Toll-free Telephone Number (855) 702-8344 15 Frowein Road, Suite A-3 Center Moriches, New York 11934

Under Federal law, during the 60-day period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer on or before its due date may not be treated by the new servicer as late, and a late fee may not be imposed on you. First National Bank of New York January 14, 2014 and Bridgehampton National Bank January 14, 2014