text: To use Bangor Online, you need:
  - service through an Internet service provider ("ISP");
  - a Bangor Online ID Password; and
  - a means of connecting and communicating through the Internet.
  You may use Bangor Online to perform the following Online Transactions:
  - Transfer funds between your Linked Accounts on either a one-time or recurring basis ("Account
  - Transfer funds between your Accounts at the Bank and accounts at other financial institutions
  on either a one-time or recurring basis, subject to availability ("External Transfers").
  - View current balance information for your Linked Accounts such as checking accounts, market
  rate deposit accounts, savings accounts, certificates of deposit, and loans.
  - Review transactions for the current and previous statement cycle(s).
  - Send us secure email messages and questions regarding the Service or initiate secure chat sessions
  - View check and deposit ticket images.
  - Download account information for use with other systems such as Microsoft
  ® Money, QuickBooks
  ® and Quicken
  - Use account aggregation (FinanceWorks™) to view all of your financial accounts, transactions
  and spending in one place.
  - Set up Account alerts.
  - Re-order checks.
  - Pay bills and receive eBills in your personal Bangor BillPay mailbox.
  Additional features or modules related to Bangor Online Service may be added by the Bank from
  time to time in the Bank's sole discretion, including but not limited to the ability to receive
  and view Account statements online and initiate External Transfers. The use of certain features
  or modules related to the Service, including new services, may incur fees or other charges.
  See our Fee Schedule for further information.
  Enrolling in and Use of the Service
  To enroll in the Service, you must maintain at least one Account with the Bank. You may enroll
  in the Service by completing an online registration that may be accessed at https://bangoronlinebanking.com.
  During the registration, you will be asked to provide certain personal information that will
  be used to verify your identity, including but not limited to your date of birth, driver's
  license number, social security number or other similar information. You will be provided with
  an initial Bangor Online ID. You will select your own Password.
  If your registration is approved, you will receive a congratulatory email directing you to our
  online banking website. You will be prompted to change your Bangor Online ID when you first
  sign on to the Service; additionally, you will be asked to complete an "enhanced login security
  form." You agree that when you change your Bangor Online ID and/or Password, you will do so
  in accordance with Section II(d) and any other guidance or instructions that we may provide
  to you under this Agreement or that may be posted on the Service.
  Your enrollment in the Service may not be approved if we cannot verify your identity or other
  necessary information. You agree that we may obtain financial information regarding your Account
  from another financial institution (for example, to resolve payment posting issues or for verification
  purposes). We also reserve the right to verify any of the information you provide to us in
  connection with the Service.
  Your Bangor Online ID and Password
  You understand and agree that your Bangor Online ID and Password are exclusively for your use
  to authenticate you to us when using the Service. You agree that we may rely on your Bangor
  Online ID, Password and enhanced log-in security, as further described below, to identify you
  when you use the Service, and to consider it as the equivalent of your signature authorization
  for any Online Transactions that you initiate through the Service. You agree to protect your
  Bangor Online ID and Password to prevent unauthorized use.
  You may change your Bangor Online ID and Password at any time. When doing so, you agree that
  you will not use combinations that are easily guessed (such as your birth date, phone number,
  or Social Security or tax identification number) and to otherwise comply with the Security
  Procedures described below. You also agree to follow any requirements that we may have for
  your Bangor Online ID and Password (for example, if we have a minimum number of characters,
  require that a particular letter character be capitalized, or require one of the characters
  to be a number). We will inform you of any such requirements when changing your Bangor Online
  ID and Password in the Service.
  Except as is more fully discussed in this Agreement, you understand and agree that you are responsible
  for all transfers and payments made through the Service. You also acknowledge and agree that
  if you permit another party(ies) to use your Bangor Online ID and Password to access the Service,
  or otherwise authorize them to use the Service, you are responsible for any and all Online
  Transactions that party(ies) makes from your Account, even if it exceeds your authorization.
  Subject to the terms of this Agreement, we may follow and comply with any Transfer Instructions
  entered using your Bangor Online ID and Password.
  You can use your Bangor Online ID, Password and "enhanced log-in security" to access the Service
  and perform certain transactions described below. Enhanced log-in security incorporates a multi-part
  credential for each user of the Service that is in addition to user IDs and password security.
  It incorporates an additional factor(s) of identity authentication that may include, but is
  not limited to, additional log-in security features such as security cookies, flash objects,
  and one-time passcodes. The enhanced log-in security will require each user of the Service
  to establish and utilize, in addition to individual Bangor Online IDs and Passwords, his/her
  own individual authentication through the use of personal identifying questions as part of
  a multi-part credential, and to select a preferred out-of-band delivery channel for one-time
  In an effort to provide the highest degree of confidentiality and security, the Bank recommends
  the use of browsers that provide encryption using a 128-bit key. The higher the level of encryption,
  the harder it is for unauthorized people to read information. The Bank recommends that customers
  protect their valuable financial information by using the most secure encryption possible.
  The Bank is not liable for losses resulting from the use of less than 128-bit encryption. If
  you elect to use a browser with less than 128-bit encryption, this implies your acceptance
  of this risk.
  Automatic, Service-generated electronic alerts will be sent to the email address identified by
  you on the registration and/or set-up form(s) if your email address or Password is changed
  through the Service. You should contact us immediately if you suspect unauthorized or fraudulent
  activity associated with the topic of these alerts.
  You agree that if you access the Service from a Computer other than your own (such as a public
  computer terminal at a library or Internet cafè), you will not leave your computer unattended
  while using the Service. You also agree that, in such situations, you will always end your
  session using the Service by clicking on the LOG OFF button located at the top right hand corner
  of the screen. The Bank will not be liable to you for any losses that may result from your
  failure to follow these security procedures.
  Deposit Account Ownership
  You must be an owner of a Deposit Account in order to access it through the Service. Each owner
  of a Deposit Account is authorized to access all of the available funds held in that Deposit
  Account through the Service.
  Optional Account Alerts
  The Service provides optional, voluntary Account alerts associated with certain modules of the
  Service that must be activated by you. Account alerts allow you to choose alert messages for
  your Account(s). We may add new alerts from time to time, or cancel old alerts. If you have
  opted to receive an alert that is being canceled, we will notify you in accordance with the
  terms of this Agreement. Each alert has different options available, and you may select from
  among these options upon activation of your alerts service.
  Voluntary alerts are subject to the following:
  - Electronic alerts will be sent to the email address identified by you on the enrollment and/or
  set-up form(s). If your email address changes, you are responsible for updating that information
  via the Service, and such change(s) will apply to all of your alerts.
  - You understand and agree that your alerts may be delayed or prevented by a variety of factors.
  We will use commercially reasonable efforts to provide alerts in a timely manner with accurate
  information. We neither guarantee the delivery nor the accuracy of the contents of any alert.
  You also agree that we shall not be liable for any delays, failure to deliver, or misdirected
  delivery of any alert; for any errors in the content of an alert; or for any actions taken
  or not taken by you or any third party in reliance of an alert. You agree that we are not
  responsible for any costs or fees incurred as a result of alerts directed by you.
  Alerts are not encrypted. We will never include your Bangor Online ID or Password or full Account
  number(s). However, alerts may include your name and some information about your Accounts,
  depending upon your selection of specified alerts.
  The Service offers access to this personal financial management tool that helps you to better
  manage your finances. This includes aggregating and accessing your financial accounts, transactions
  and spending habits all from one webpage. You can access FinanceWorks through Bangor Online
  and be linked to the FinanceWorks landing page, where you will be presented with FinanceWorks'
  terms and conditions. Within FinanceWorks, you can set budgetary goals, examine monthly spending
  trends, and view all of your online accounts and associated financial transactions that have
  been aggregated across a number of financial institutions, all from your FinanceWorks homepage.
  You agree that:
  - We may change these tools and services or add new ones without advance notice.
  - You are responsible for the accuracy of all information you input.
  - You will comply with any instructions or conditions for use of the services and tools as set
  forth within Bangor Online.
  - The tools and services are meant as aids to assist you with managing your accounts. They are
  not intended to provide legal, tax or financial advice.
  Subject to availability, the eStatement feature of the Service will provide you with an alternative
  to receiving statements through the mail. With eStatement, you will receive an email notification
  when the statement is ready to be viewed from Bangor Online. Your consent is required to begin
  sending the bank statement electronically. By agreeing to receive the bank statement electronically,
  we will no longer send the statement through the U.S. mail.
  Your consent will authorize the Bank to provide a periodic bank statement in electronic format,
  along with any other disclosures that we might send with the bank statement, such as Electronic
  Funds Disclosures or other required disclosures relating to your Accounts. When it is applicable,
  Accounts will be combined on a single statement.
  The same terms apply with respect to electronically delivered bank statements as for those delivered
  in paper form, and the Account Agreements and disclosures previously received from us remain
  in effect. We may change, suspend or eliminate all or any aspect of this delivery service upon
  notice to you.
  Use of Financial Management (FM) Software
  Use of the Service may be supplemented and/or enhanced by use of a one-way connection ("Web Connect")
  from the Service to certain FM software (e.g., Microsoft® Money, Quicken® or QuickBooks®)
  which allows you to automatically download transactions and match them with existing transactions
  from your FM software.
  You may also access the Service by direct connection ("Direct Connect") using FM software. Direct
  Connect provides for two-way connectivity which allows you to automatically download transactions
  and match them with existing transactions and initiate Account Transfers.
  If you choose to use FM software, you must purchase this software from the software manufacturer,
  or a retailer of your choice. You must agree to the terms and conditions of the software license
  agreement(s) during the installation of the FM software on your Computer. You are responsible
  for the correct set-up and installation of the FM software, as well as maintenance, updates
  and upgrades to the FM software and/or your Computer. We are not responsible for any problems
  related to the FM software itself, your Computer or your ability to connect using the FM software
  as described in this Agreement.
  Access to Account information through FM software must generally be performed using an active
  Bangor Online ID and Password or other secure method as may be required. We may restrict access
  to certain eligible Accounts via Direct Connect ("Direct Connect Accounts") and may establish
  other security procedures for enrollment in and/or access to the Service, or any portions of
  the Service, and for authorization of any transactions involving Direct Connect Account(s).
  You are responsible for all transfers and payments that you authorize using FM software. If you
  permit other persons to access the Service using FM software, you are responsible for all transactions
  they authorize from Direct Connect Account(s). You must establish your own internal security
  procedures for any persons that you may authorize to use the Service via Direct Connect and
  to prevent unauthorized use by other persons. You should verify all Account data obtained and
  transactions executed on your Accounts using FM software.
  Debit Card Purchase Rewards
  LICENSE GRANT AND RESTRICTIONS. You are granted a personal, limited, non-exclusive, non-transferable
  license, to electronically access and use the purchase rewards application ("Debit Rewards
  Offers") to benefit from your debit card purchases.
  In addition to the Debit Rewards Offers, the term "Debit Rewards Offers" also include any other
  programs, tools, internet-based services, components and any "updates" (for example, Service
  maintenance, Debit Rewards information, help content, bug fixes, or maintenance releases, etc.)
  of the Debit Rewards Offers if and when they are made available to you by us or by our third
  party vendors. Certain Debit Rewards Offers may be accompanied by, and will be subject to,
  additional terms and conditions.
  You are not licensed or permitted to do any of the following and you may not allow any third
  party to do any of the following:
  - access or attempt to access any other systems, programs or data that are not made available
  for public use;
  - copy, reproduce, republish, upload, post, transmit, resell or distribute in any way the material
  from the the Debit Rewards Offers program;
  - permit any third party to benefit from the use or functionality of the Debit Rewards Offers,
  or any other services provided in connection with them, via a rental, lease, timesharing,
  service bureau, or other arrangement;
  - transfer any of the rights granted to you under this license;
  - work around any technical limitations in the Service, use any tool to enable features or functionalities
  that are otherwise disabled in the Service, or decompile, disassemble, or otherwise reverse
  engineer the Service except as otherwise permitted by applicable law;
  - perform or attempt to perform any actions that would interfere with the proper working of the
  Debit Rewards Offers or any services provided in connection with it, prevent access to or
  the use of the Debit Rewards Offers or any or services provided in connection with it by
  other licensees or customers, or impose an unreasonable or disproportionately large load
  on the infrastructure while using the Service; or (vii) otherwise use the Debit Rewards Offers
  or any services provided in connection with it except as expressly allowed under this Section
  OWNERSHIP. The Debit Rewards Offers are protected by copyright, trade secret and other
  intellectual property laws. You do not have any rights to the trademarks or service marks.
  YOUR INFORMATION AND ACCOUNT DATA WITH US. You are responsible for (i) maintaining the
  confidentiality and security of your access number(s), password(s), security question(s) and
  answer(s), account number(s), login information, and any other security or access information,
  used by you to access the Debit Rewards Offers or any services provided in connection with
  them, and your accounts with us (collectively, "Licensee Access Information"), and (ii) preventing
  unauthorized access to or use of the information, files or data that you store or use in or
  with the Debit Rewards Offers or any services provided in connection with them (collectively,
  "Account Data"). You are responsible for providing access and assigning passwords to other
  users, if any, under your account for the Debit Rewards Offers or any services provided in
  connection with them, and ensuring that such authorized users comply with this Agreement. You
  will be responsible for all electronic communications, including account registration and other
  account holder information, email and financial, accounting and other data ("Communications")
  entered using the Licensee Access Information. It is assumed that any Communications received
  through use of the Licensee Access Information were sent or authorized by you. You agree to
  immediately notify us if you become aware of any loss, theft or unauthorized use of any Licensee
  Access Information. We reserve the right to deny you access to the Debit Rewards Offers or
  any services provided in connection with them (or any part thereof) if we reasonably believe
  that any loss, theft or unauthorized use of Licensee Access Information has occurred. You must
  inform us of, and hereby grant to us and our third party vendors permission to use, Licensee
  Access Information to enable us to provide the Debit Rewards Offers or any services provided
  in connection with them to you, including updating and maintaining Account Data, addressing
  errors or service interruptions, and to enhance the types of data and services we may provide
  to you in the future.
  We may use anonymous, aggregate information, which we collect and store, or which is collected
  and stored on our behalf by third party vendors, to conduct certain analytical research and
  help us to create new offerings and services for our customers. As we make additional offerings
  and online banking services available to you, some of which may rely on banking information
  maintained in your accounts, you will have the opportunity to participate in the services if
  you choose. If you choose not to participate, you do not need to notify us. We may also use
  anonymous, aggregate information which we collect and store, or which is collected and stored
  on our behalf by third party vendors, to (i) conduct database marketing and marketing program
  execution activities; (ii) publish summary or aggregate results relating to metrics comprised
  of research data from time to time; and (iii) distribute or license such aggregated research
  data to third parties. Additionally, automated technology may be used to tailor messages or
  advertisements that best reflect your interest and needs.
  THIRD PARTY SERVICES. In connection with your use of the Debit Rewards Offers, or any other
  services provided in connection with them, you may be made aware of services, products, offers
  and promotions provided by third parties, ("Third Party Services"). If you decide to use Third
  Party Services, you are responsible for reviewing and understanding the terms and conditions
  governing any Third Party Services. You agree that the third party is responsible for the performance
  of the Third Party Services.
  THIRD PARTY WEBSITES. The Debit Rewards Offers may contain or reference links to websites
  operated by third parties ("Third Party Websites"). These links are provided as a convenience
  only. Such Third Party Websites are not under our control. We are not responsible for the content
  of any Third Party Website or any link contained in a Third Party Website. We do not review,
  approve, monitor, endorse, warrant, or make any representations with respect to Third Party
  Websites, and the inclusion of any link in the Debit Rewards Offers or any other services provided
  in connection with them is not and does not imply an affiliation, sponsorship, endorsement,
  approval, investigation, verification or monitoring by us of any information contained in any
  Third Party Website. In no event will we be responsible for the information contained in such
  Third Party Website or for your use of or inability to use such website. Access to any Third
  Party Website is at your own risk, and you acknowledge and understand that linked Third Party
  Websites may contain terms and privacy policies that are different from ours. We are not responsible
  for such provisions, and expressly disclaim any liability for them.
  EXPORT RESTRICTIONS. You acknowledge that the Service may contain or use software that
  is subject to the U.S. Export Administration Regulations (15 CFR, Chapter VII) and that you
  will comply with these regulations. You will not export or re-export the Service, directly
  or indirectly, to: (1) any countries that are subject to US export restrictions; (2) any end
  user who has been prohibited from participating in US export transactions by any federal agency
  of the US government; or (3) any end user who you know or have reason to know will utilize
  them in the design, development or production of nuclear, chemical or biological weapons. You
  further acknowledge that this product may include technical data subject to export and re-export
  restrictions imposed by US law.
  DEBIT REWARDS OFFERS. If you decide you wish to participate in the Debit Rewards Offers
  application, you acknowledge and agree to the following terms and conditions of service.
  Debit Rewards. You will earn rewards for your participation in the Debit Rewards Offers program
  based on total purchases. If you participate in the Debit Rewards Offers, we will credit all
  cash or point rewards earned to your rewards balance and send you a lump sum of all rewards
  due to you. For any qualifying purchases during the current month, we will distribute the lump
  sum amount to you during the following calendar month. For example, if the payment date of
  all rewards end user disbursements is August 30, the applicable Measurement Period would be
  the calendar month ended July 31. Cash rewards will be deposited in the Debit Rewards Offers
  deposit account which is associated with the Debit Rewards Offers program.
  Debit Rewards Offers Account. You must use the debit card associated with the Debit Rewards Offers
  account in order to receive the offers which qualify for the rewards. Rewards will not be earned
  for any portion of your purchase that you pay for with store credit, gift certificates or other
  Purchases must be made as indicated in the offers made available under the Debit Rewards Offers
  program. Each offer will specify whether the purchase can be made online, at a store location,
  or by telephone to be eligible for rewards. You must also comply with any guidelines included
  with the offer, such as offer expiration dates, minimum purchase amounts, purchase limits,
  etc. You must also pay using the debit card associated with the account that received the Debit
  Rewards offer in order for the purchase to qualify.
  While we and the merchants work hard to properly track and credit all eligible purchases, there
  may be times that we are unable to do so because of problems with your internet browser, the
  merchant's web site or our system. Please contact our support team if you believe you have
  made a qualifying purchase for which you did not receive Rewards.
  Please note that you will not earn rewards as part of this program if you use a debit card not
  issued by us or do not have the designated deposit account opened with us at the time of disbursement.
  You understand and agree that we make no warranties and have no liability as to:
  - Any offers, commitments, promotions, money back, or other incentives offered by any of the
  merchants in the Debit Rewards Offers program.
  - The rewards information that we provide to you, which is provided "as is" and "as available".
  - (i) your inability to comply with offer guidelines, (ii) the accuracy, timeliness, loss or
  corruption, or mis-delivery, of any qualifying purchase information or any other information,
  (iii) unauthorized access to your account(s) or to your account information and any misappropriation,
  or alteration, of your account information or data, to the extent that the unauthorized access
  results from your acts or omissions, or (iv) your inability to access your account(s) including,
  but not limited to, failure of electronic or mechanical equipment, interconnect problems
  with telephone providers or internet service providers, acts of God, strikes, or other labor
  - Some states do not allow limitations on how long an implied warranty lasts, so that the above
  limitations may not apply to you, and that you may also have other rights, which vary from
  state to state.