Cape Cod 5 Quick Start Guide

Welcome to Cape Cod 5 Let’s Get Started

Quick Start Guide

Thank you for choosing us to be your bank.

We are so pleased to have the opportunity to serve you. Please use this guide to help you get started using your new account.

Cape Cod 5 has been an active member of the community since 1855. Today our goals are unchanged: We want to continue to serve our neighbors and their businesses, to earn your trust every day and to bring the best possible banking experience to everyone we serve — whether you do your banking online, on your mobile device or in a Banking Center.

Remember, no matter how you choose to do your banking, personal assistance is available at Banking Centers on Cape Cod, Martha’s Vineyard, Nantucket and in Southeastern Massachusetts or from our Customer Service Center. Welcome to the Cape Cod 5 family. We look forward to helping you at every step of your financial journey.

Dorothy A. Savarese Chair & CEO Cape Cod 5

Table of Contents Quick Start Guide...................................................................................................................................................................................................2

Account Access

Start Using Your Account

Close Your Previous Account Online and Mobile Banking Features.............................................................................................................................................................3 Debit Card and ATMs........................................................................................................................................................................................... 4 Tools to Help Avoid Overdrafts........................................................................................................................................................................5 Other Banking Solutions.................................................................................................................................................................................... 6 Locations...............................................................................................................................................................................................Back Cover

Learn More Visit us online at capecodfive.com

Contact Us Call us at 888-225-4636 or by using the Messages feature in Online or Mobile Banking

Security Center Explore our security tools & tips at capecodfive.com/security-center

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Come See Us Visit capecodfive.com/locations for locations and hours

Financial Tools & Calculators Explore online at capecodfive.com/ resources/tools-calculators

Cape Cod 5 Quick Start Guide 1. ACCESS YOUR ACCOUNT ENROLLING IN ONLINE AND MOBILE BANKING

CAPE COD 5 VISA® DEBIT CARD

To enjoy the benefits of Cape Cod 5’s Online and Mobile Banking, you’ll first need to be enrolled.

You can complete this process on your own using a computer or mobile device, or you can ask us for assistance in one of our Banking Centers or through our Customer Service Center at 888-2254636.

Your debit card is activated and ready for use anywhere Visa® is accepted and at ATMs worldwide. To request a debit card, please call our Customer Service Center at 888-225-4636. See page 4 for more details.

Instructions for New Customers to Enroll in Online or Mobile Banking go to www. capecodfive.com/enroll

Call 888-333-0555 with your account number and authentication information to access your account via Telephone Banking.

Already enrolled in Online or Mobile Banking?

Simply complete a first-time login process when accessing the upgraded systems for the first time.

You will automatically see your new account(s) in the Dashboard once signed in. www.capecodfive. com/logging-first-time

TELEPHONE BANKING

CHECKS If requested, your checks have been ordered and will arrive within 7-10 business days. If you would like to order checks for your account, please call our Customer Service Center at 888-225-4636.

Assistance Getting Started We have created a number of online resources to help you get started. Watch videos and access step-by-step guides for logging in and using the upgraded app at www.capecodfive.com/online. As always, our team is here to help! Contact us at 888-225-4636 or by using the Messages feature in Online or Mobile Banking.

HELPFUL HINT Cape Cod 5’s routing number is 211371078.

2. START USING YOUR ACCOUNT SWITCHING YOUR ACCOUNT TO CC5 IS EASY WITH CLICKSWITCH™. VISIT CAPECODFIVE.COM/SWITCH TO LEARN MORE. DEPOSITS

PAYMENTS

Direct Deposits — Set up your recurring deposits (paychecks, pension and Social Security payments, etc.) to be credited directly to your account. You can find a form to give to your employer for payroll checks at capecodfive.com/ welcome.

Bill Pay — Once you have signed into Online Banking, click on the Payments tab to send payments to businesses and people. It’s secure, and there is no charge for this service. See page 3 for more details.

Mobile Deposits — Deposit checks from your mobile device using Cape Cod 5’s mobile app.

See page 3.

Banking Centers — Visit one of our convenient Banking Centers. See back cover or capecodfive. com/locations.

ATM Deposits — Deposit cash or checks at one of Cape Cod 5’s convenient ATM locations, which can be found on the back cover or at capecodfive.com/locations.

Debit Card — Make purchases wherever Visa® is accepted and withdraw cash from ATMs worldwide. Use Apple Pay®, Google Pay™ and Samsung Pay® to make purchases in-store or in-app with your compatible device. See page 4 for more details.

Electronic Payments — Provide routing and account numbers to any businesses with whom you have recurring electronic payments.

3. C LOSE YOUR PREVIOUS ACCOUNT Download a form to send to your former bank from capecodfive.com/welcome.

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Online and Mobile Banking Cape Cod 5's Online and Mobile Banking systems deliver new features, enhanced tools and a seamless experience across all of your devices. Explore the step-by-step guides and videos designed to walk you through how to set up and use these functions in Cape Cod 5’s Online and Mobile Banking systems at www.capecodfive.com/online.

Logging in for the First Time

Conduct a Secure Messaging Conversation

Tailor your Dashboard - the initial view of your account(s) and menu options that you see when you log in - to fit your needs in Cape Cod 5's upgraded Online Banking and Mobile Banking.

Get account support, ask a question and more using Cape Cod 5's new Messages function directly within Online & Mobile Banking.

Payments

Access eStatements

Complete a Remote Deposit

Payments is a feature that allows you to securely pay companies or people directly through the Bill Pay service without writing checks or sending cash.

Electronic Statements ("eStatements") are a secure, convenient and environmentally friendly alternative to receiving paper statements each month.

Using Cape Cod 5's Mobile Banking app with remote deposit, you can deposit checks from anywhere, anytime using your mobile device.

Changing Settings

Access Account Information

Online & Mobile Banking settings allow you to change your username and password, update contact information, hide and show accounts and more.

View basic account information, add alerts and transaction details, place stop payments on checks and more.

Explore step-by-step guides and videos showing you how to log in for the first time using Online Banking and the mobile app.

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Rearrange the Dashboard

My Budget

Create a budget for your needs, monitor spending habits, link accounts from other financial institutions and more with Cape Cod 5's My Budget tool.

Transfer Funds

Moving money is easy with Cape Cod 5's Online and Mobile Banking Transfers function.

Transfer funds between Cape Cod 5 accounts and to or from accounts at other banks.

Card Management

Lock or unlock your debit and ATM card(s) on-thego, set travel notices, and set up alerts to monitor account transactions with Cape Cod 5's Card Management tool.

Manage Profiles and Sign Out

Once you're done using Online or Mobile Banking, it's important for you to end your session for security purposes by signing out.

Debit Card and ATMs MAKING PURCHASES WITH YOUR VISA® DEBIT CARD Use your debit card to make purchases wherever Visa® is accepted.

WITHDRAWING CASH Use your card to withdraw cash at ATMs worldwide. Non-Cape Cod 5 ATM usage may be subject to a transaction fee. Other banks may also impose their own charges.

Premier5 and PrimaryPlus account customers pay no ATM fees.

SURCHARGE-FREE ATMS Use your card at thousands of SUM® program ATMs nationwide with no surcharge by the ATM operator. For additional information and to find a SUM® program ATM, visit sum-atm.com.

USING APPLE PAY®, GOOGLE PAY™ & SAMSUNG PAY® With your Cape Cod 5 Debit Card connected to Apple Pay, Google Pay or Samsung Pay, shopping in person or online is easy and secure. Use your phone or other supported mobile device to make purchases at grocery stores, restaurants, hotels — anywhere mobile payments are accepted. And because your card details are never shared when you use Apple Pay, Google Pay or Samsung Pay — they are not stored on your device at all — you get an additional level of security.

INTEGRATED DEBIT CARD CONTROLS & TRAVEL NOTICES Cape Cod 5 debit cards are chip-enabled for use at home and abroad. To help ensure use of your card while you travel internationally, before you depart please notify our Customer Service Center of your travel plans at 888-225-4636.

Lock or unlock your debit and ATM card(s) onthe-go, set travel notices, and set up alerts to monitor account transactions for added security – all from within your Online or Mobile Banking account. See page 3 for more details.

DEBIT CARD FRAUD ALERTS At Cape Cod 5, protecting of your financial information is one of our top priorities. Cape Cod 5 has partnered with Jack Henry Card Processing Solutions, a national technology service provider for financial institutions, to provide 24/7 debit card fraud monitoring and prevention through the Fraud Center. Debit card fraud alerts will be sent via: •T ext message — The text message will ask you to verify transactions with the last four digits of your card. The text messages will never ask you to provide your debit card number, account number or other information and will be sent from short code number “96923.”

• Email — You will be asked to click on a link either verifying the charges were authorized or were not authorized. Please use the links enclosed in the email and do not reply to the email directly. The email will note the Fraud Center phone number 800-237-8990.

•P hone call — The automated call system will note that the call is on behalf of Cape Cod 5 and will include the last four digits of your debit card. The system will ask you to verify the zip code for your billing address (which is the address the Bank has on file for your account).

It will then ask you if a charge is authorized by you. The call will be from the Fraud Center phone number 800-237-8990.

You will never be asked to provide your full account number, Social Security number, Online or Mobile Banking password or other sensitive information. If you ever suspect you are receiving a fraudulent message, contact our Customer Service Center immediately at 888-225-4636.

IMPORTANT — When you are contacted by the

Fraud Center by text message, email or phone call, please respond at your earliest convenience. If we cannot reach you to confirm that suspicious activity is legitimate, a transaction may be declined or your card may be temporarily blocked.

How may we help you?

To report a lost/stolen debit card, fraudulent activity or for Online and Mobile Banking support, contact our Customer Service Center 24 hours a day, 7 days a week at 888-225-4636.

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Tools to Help Avoid Overdrafts LINK TO A SAVINGS OR MONEY MARKET ACCOUNT (Personal and business accounts)

When you link a savings or money market deposit account to your checking account, the Bank will automatically transfer funds from your savings or money market account to your checking account when your checking account has a negative balance. It’s called the Overdraft Transfer Service and costs $5 per day that this transfer service is utilized. Money is transferred from your savings or money market account in increments of $25 until the balance in the checking account is above $0. The Overdraft Transfer Service fee does not apply to Premier5 Banking accounts.

LINK TO A LINE OF CREDIT (Personal accounts only)

You can borrow money from the Bank if you overdraw your account to ensure your checking balance stays positive. With an Overdraft Protection Line of Credit, you pay interest instead of a transfer fee. There is an application process for this loan. If you are approved, when your checking account has a negative balance, money is automatically transferred from the overdraft line of credit in increments of $50 until the balance in the checking account is above $0 or until the credit limit is reached. Since this is a loan, you will be charged interest and must make monthly payments on the outstanding balance.

KNOW YOUR BALANCE (Personal and business accounts)

Sometimes avoiding overdrafts is as easy as knowing your account balance. Cape Cod 5 has several ways to monitor your balance. As you review your balance, remember bill payments and automated payment deductions you have set up, checks you have written and any other debits that might not have been subtracted yet from your account.

ONLINE AND MOBILE BANKING

Check balances and activity frequently through Online and Mobile Banking. Set up balance alerts or log in to get up-to-date information about your account.

TELEPHONE BANKING

Call 888-333-0555 to hear your account balances and review any recent transactions.

MORE INFORMATION Please visit capecodfive.com/overdrafteducation. If you are looking for information about managing a budget visit My Budget tool at capecodfive.com/my-budget.

Need help? We’re here for you.

If you have any questions or need assistance, please call our Customer Service Center at 888-225-4636, use the secure Messages conversations service in Mobile and Online Banking, or visit any Cape Cod 5 Banking Center.

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ALERTS

Other Banking and Wealth Solutions

As your financial needs change, Cape Cod 5 will always be here for you with the banking solutions you need. Below is some information on the variety of products and services we offer. To learn more, go to capecodfive.com, call our Customer Service Center at 888-225-4636 or visit any of our Banking Centers.

PERSONAL BANKING Cape Cod 5 offers a variety of banking solutions to help you meet your financial services needs, including various types of deposit accounts, personal loans and overdraft lines of credit, along with all the tools you need to manage your finances. Our Retirement Services department provides a full range of products for an individual, plus additional business plans including the Simplified Employee Pension (SEP) and the Savings Incentive Match Plan for Employees (SIMPLE).

MORTGAGES AND HOME EQUITY LOANS As the #1 mortgage lender on Cape Cod for fourteen years running, Cape Cod 5’s team has a long history of providing excellent service, competitive rates and local knowledge of Cape Cod, Martha’s Vineyard, Nantucket and Southeastern Massachusetts. We offer a variety of mortgage products designed to help you move into your new home, and later, to make the most of the equity you’ve built up in your home. NMLS #401717

BUSINESS BANKING Cape Cod 5 has business checking accounts designed to assist you in cost-effectively managing your day-to-day transactions.

COMMERCIAL LENDING Cape Cod 5 offers a variety of commercial lending options, including lines of credit, equipment term loans, commercial real estate mortgages, construction loans, SBA financing and more.

WEALTH MANAGEMENT INVESTMENT SERVICES*

Cape Cod 5 Investment Services offers many ways to work with our knowledgeable advisors to help you accumulate wealth and manage investments. Our programs include top-rated money managers with socially conscious portfolio options plus full brokerage access to stocks, bonds, mutual funds and annuities. Investment executives are conveniently available at our Banking Centers throughout Cape Cod, Martha’s Vineyard, Nantucket and Southeastern Massachusetts.

TRUST AND ASSET MANAGEMENT*

Our experienced portfolio managers, trust officers and planning professionals are perfectly suited to supply personalized, hands-on management for the assets and legacy you have worked so hard to accumulate. We offer individually managed portfolios and concierge account services for families, individuals and organizations. Services include comprehensive planning, personalized investment management with socially conscious options as well as trust and estate services. *Please note that the following disclosure applies to products offered in these areas.

NOT A DEPOSIT • NOT FDIC-INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY THE BANK • MAY GO DOWN IN VALUE

Brokerage services are offered through INFINEX INVESTMENTS, INC., Member FINRA/SIPC. Cape Cod 5 Investment Services is a trade name of the Bank. Infinex and the bank are not affiliated.

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BANKING CENTERS & ATMS Brewster 2745 Main St. Centerville 1620 Falmouth Rd. Chatham 548 Main St. Dennis 688 Main St. (off Route 134) East Harwich 129 Route 137 Eastham 75 Brackett Rd. Edgartown 238 EdgartownVineyard Haven Rd. Falmouth 668 Main St. Harwich Port 532 Main St.

CONTACT US Customer Service Center: 888-225-4636 customerservice@capecodfive.com

Hyannis Route 28 171 Falmouth Rd. Route 132 1550 Iyannough Rd.

Location details & hours are available at capecodfive.com/locations

Mashpee 10 North Market St. Nantucket Downtown Zero Main St. Mid Island 112 Pleasant St. Orleans 97 Cranberry Hwy.

LENDING & WEALTH MANAGEMENT OFFICES

TRUST & ASSET MANAGEMENT OFFICE

Marion 163 Front St.

Orleans 20 West Rd.

Plymouth 6 Resnik Rd. Ste. 115 Vineyard Haven 13 Beach St. Ext.

NMLS #401717 Member FDIC Member DIF

CORPORATE HEADQUARTERS Hyannis 1500 Iyannough Rd.

ADDITIONAL ATM LOCATIONS Barnstable Village 3239 Main St. North Falmouth 580B N. Falmouth Hwy. Plymouth The Pinehills 6 Purchase St.

Plymouth The Pinehills One Village Green North, Ste. 111R Provincetown 137 Bradford St. Sandwich 85 Route 6A Vineyard Haven 412 State Rd.

Yarmouth Port 918 Route 6A

Wareham 10 Rosebrook Pl.

Steamship Authority Terminals Hyannis & Nantucket

Wellfleet 345 Main St. Yarmouth 514 Station Ave. 08-19-NS-I 04/21