Century Bank - Personal - Checking

Century Bank - Personal - Checking - Bounce Protection

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Overdraft Bounce Protection Practices
We clear items drawn against your account in the following order: (a) electronic transactions (electronic funds transfers, pre-authorized debits, debit card transactions, ATM transactions or other withdrawal requests); and (b) checks or other payments.

If you maintain your checking account in good standing (defined as making regular deposits and bringing your account to a positive balance at least once every 30 days) and there are no legal orders outstanding, we may approve your reasonable overdraft. You may opt out of the privilege at any time by calling our Customer Service Center at (866) 823-6887, stopping by one of our conveniently located branches, or visiting www.AskCentury.com and selecting the "contact us" tab to opt out of our overdraft Bounce Protection service. However, you are responsible for any overdrawn balances at the time of opting out. The amount of any overdraft plus our insufficient funds fee that you owe us shall be due and payable upon demand. If there is an overdraft paid by us on an account with more than one (1) owner on the signature card, each owner and agent, if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdraft plus our normal insufficient funds fee.

LIMITATIONS: Overdraft Bounce Protection is available to individually/jointly owned and business accounts in good standing. Accounts of those under eighteen years of age are not eligible for the overdraft Bounce Protection product. Century Bank reserves the right to limit participation to one account per household or business and to discontinue this service without prior notice. The overdraft Bounce Protection program will not be available to new checking accounts until the account has been opened for 30 days and during that time, deposits to the account must be 80% of the predetermined limits of overdraft Bounce Protection assigned to that account type, as set forth below:

Type of Account	Overdraft Bounce Protection Limit*
Free Checking	$1,000
Classic Checking	$2,000
Preferred Checking	$2,000
Executive Checking	$2,500
Super Free Checking	$1,000
Free Campus Checking	$1,000
18/65 Checking	$1,000
18/65 NOW Checking	$2,000
Bank at Work Free Checking	$1,000
Bank at Work Preferred Checking	$2,000
Business Free Checking	$3,000
Business Basic Checking	$3,000
Regular Business Checking	$3,000

*These figures may be reflected in your available balance.

Corporate Headquarters: 400 Mystic Avenue, Medford, MA 02155 866.8.CENTURY NASDAQ:CNBKA