Everything you need to know to be fully prepared....• Our automated Connect24SM Telephone Banking...

UPGRADEGUIDE

Everything you need to know to be fully prepared.

ARRIVING:

April 13, 2015

Member FDIC | Equal Housing Lender | NMLS #516624

FAIRFIELD COUNTY BANK

Table of Contents

pgs 2-3 Key Dates & Information

pgs 4-5 Check Cards, ATM Cards and ATMs

pgs 6-7 24-hour Telephone Banking

pgs 8-9 Statements & eStatements

pgs 10-11 Personal Checking Accounts

pgs 12-13 Savings Accounts, Business Accounts & Loans

pgs 14-15 Transactions

pgs 16-17 Frequently Asked Questions

1

Dear Fairfield County Bank Customer,

Since the founding of Fairfield County Bank in 1871, we have been committed to providing excellent service to our valued customers. During the weekend of April 10-13, 2015, we will be upgrading our system to make your banking experience easier, faster and more convenient. Whether you bank in person, online, over the phone, or with a mobile device you will benefit from the enhancements of Fairfield Forward - the Fairfield County Bank operating system upgrade.

Fairfield Forward will provide you with enhanced services including:

• Simplified month-end account statements with concise summaries• Improved electronic and online account access • Real-time transactions• Instant card issuing service• And much more.

In December, I wrote to you about the first step in our exciting Fairfield Forward initiative and now we’re reaching out to help you prepare for the new and improved system.

The following guide provides you with important information and dates that you’ll need to make the upgrade seamless. Please take a moment to review the information that applies to your accounts.

For more information, please visit fairfieldcountybank.com/fairfieldforward, contact our Customer Care Center at 877-431-7431, or visit one of our local branches where our friendly and helpful staff is there to assist you. Our goal is to bring you one of the most progressive systems in the financial field.

At Fairfield County Bank, protecting your personal and financial information is one of our most important responsibilities. You can feel confident using our services anywhere and anytime with Fairfield County Bank’s comprehensive security protection.

We greatly appreciate your business, thank you for your patience, and look forward to continuing to provide you with the best possible banking experience.

Sincerely,

Daniel L. Berta President

2

DATES & TIMES BANKING SERVICE AVAILABILITY & DETAILS

Between now and Friday, April 10 at 5:00 p.m.

Your Contact Information

If you are an Online Banking user, please confirm your contact information (email address, mailing address and phone number) is up-to-date so that we can ensure you receive all upgrade communications timely and efficiently. It will also be used to help you login after the system is upgraded.(See the Online Banking Guide previously distributed for more information.)

On or after Sunday, March 1 - Wednesday, April 1

Online Banking Security Profile – Pre-Registration

From March 1 through April 1 you are able to pre-register for Online Banking. The purpose of pre-registration is to make your access to your online banking account easy on the day we change over to the upgraded system. (See the Online Banking Guide for more information.)

Tuesday, April 7 — Monday, April 13

Online Bill Pay Bill pay will be unavailable from 12:00 a.m. Tuesday, April 7 until midday Monday, April 13.All bill pay payments scheduled prior to 4/7/15, will be processed and paid.

Saturday, April 11 Sunday, April 12 Monday, April 13

Branch Offices and Customer Care

Center

CLOSED

Friday, April 10 Saturday, April 11 Sunday, April 12 Monday, April 13

Online Banking, Online Business

Banking, and Mobile Banking

These services will be unavailable from 4:00 p.m. on Friday, April 10 through midday Monday, April 13. (For more details on Online and Mobile banking, please view the Online Banking Guide previously distributed. For demos and up to date information on the upgrade, visit http://www.fairfieldcountybank.com/online-bankingupgrade.html)

Automated Telephone Banking

Our automated Connect24SM Telephone Banking service will be unavailable from 5:00 p.m. Friday, April 10 until midday April 13. Monday, April 13, the new number will be 866-877-2653.A new PIN will be issued. (See page 6-7)

3

DATES & TIMES BANKING SERVICE AVAILABILITY & DETAILS

Friday, April 10 Saturday, April 11 Sunday, April 12 Monday, April 13

ATMs and Debit/ATM Cards

All ATMs will remain in service. You will be able to make withdrawals at ATMs and purchases with your debit card, but you will not be able to see balance inquiries. (See pages 4-5)

Statements& eStatements

At the end of April, you will receive an enhanced deposit account statement. (See pages 8-9)

Online Banking Password

If you have already pre-registered, midday April 13, you will be able to log-in with the new security profile you set-up. If you did not pre-register, you’ll be required to reset your Password and enter an Access Code the first time you log in to Online Banking. Indicated Access code is a temporary password which the system will provide the requirements for. Your user ID is not changing. (See the Online Banking Guide for further information or visit: http://www.fairfieldcountybank.com/online-bankingupgrade.html)

Transactions Transactions debited from or credited to your account during the period of Friday, April 10 at 5:00 p.m. through Monday, April 13 will be processed immediately and are subject to our Funds Availability Policy. Please visit our website for a copy of the Funds Availability Policy. (See pages 14-15 for more information on transactions.)

Connect24SM

Mobile Banking AppiPhone® users will need to go to the Apple App store to obtain and download the new app. You will need to delete the current mobile app before installing the new one. ANDROID™ users will need to go to the Google Play Store and download the new app. You will need to delete the current app before downloading the new app.(See the Online & Mobile Banking Guide or visit http://www.fairfieldcountybank.com/online- bankingupgrade.html)

Key Dates & Information

Questions? Contact our Customer Care Center at 1-877-431-7431.

Visit fairfieldcountybank.com/fairfieldforward

Visit a local Fairfield County Bank branch office.

4

ACTION REQUIRED OR CRITICAL INFORMATIONThe Fairfield Forward icons placed throughout the booklet indicate action is required on your part or something is very important for you to know.

5

Check Cards, ATM Cards and ATMs

What’s moving Fairfield Forward? • After the system upgrade, Fairfield County Bank will be introducing an instant card

issuing service, Card@Once®, at all branches. So, if your card is lost, damaged or stolen, we’ll be able to issue a new one right then and there.

EVERYTHING YOU NEED TO KNOW

Availability During the Upgrade.

Fairfield County Bank ATMs will be operating during the system upgrade. You will be able to make withdrawals at ATMs and purchases with your debit card. However, you will not be able to see balance inquiries from 5:00 p.m. April 10 through midday April 13.

VISA® Check Card (Debit Card)

Your check card will continue working during the upgrade. You will be able to make withdrawals and purchases with no service interruption.

ATM Card Your ATM card will continue working as usual.

You will be able to make withdrawals and deposits at ATMs with no service interruption.

PIN Your PIN will remain the same.

Point-of-Sale (POS)

The POS will only work on the primary account assigned to the card regardless of the number of accounts associated with the card.

Surcharge* Rebates In some of our checking programs, you may be eligible for surcharge rebates. Different from the past, the rebate of the surcharge will occur at the end of the statement cycle instead of at the time the transaction occurred. The surcharge is added to the ATM transaction amount and does not show as a separate item.

*You may be assessed a fee at ATMs other than those owned and operated by Fairfield County Bank for a transaction or balance inquiry even if you don’t complete a fund transfer.




Outline of Our New Menu Options1. Access your Account

1. Inquire on an account1. Deposit Account2. Certificate Account3. Loan Account4. Transfer to Customer

Service Representative2. Inquire on a different account3. Perform a Transaction

1. Account Transfer2. Loan Payment3. Advance on a LOC6. Check Stop Payment0. Transfer to Customer

Service Representative4. Change PIN code

0. Transfer to Customer Service Representative

*. Return to the Previous Menu2. Office Hours and Locations3. Current Rate Information4. Report a Lost or Stolen Card0. Transfer to a Customer Service Representative*. Exit the System

6 ACTION REQUIRED OR CRITICAL INFORMATION

7

Connect24SM 24-Hour Telephone Banking

What’s moving Fairfield Forward? • After the system is upgraded, customers will be introduced to a new menu with

easier navigation and some additional options on Fairfield County Bank’s 24-hour telephone service.

• Our automated Connect24SM Telephone Banking service provides instant access to your accounts and enables you to conduct banking transactions 24-hours a day, 7 days a week. Starting Monday, April 13th the new Connect24 Telephone Banking number will be 866-877-2653 and can be dialed from any touch tone phone.


Availability During the Upgrade.

The Connect24SM telephone banking system will be unavailable from 5:00 p.m. Friday, April 10 through midday Monday, April 13.

PIN Midday Monday, April 13:

Individuals – Your Personal Identification Numbers (PINs) will be reset to the last four digits of your social security number. You will then be prompted to designate a new four digit PIN.

Businesses – Your Personal Identification Numbers (PINs) will be reset to the last 5 digits of the account signer’s social security number. You will then be prompted to designate a new four digit PIN. Each account signer will be required to initiate their own PIN.

Menu Options You’ll notice that the Connect24SM 24-Hour Telephone Banking system menu options have changed and are very easy to follow. Menu options can be found at: http://www.fairfieldcountybank.com/telephone-banking.html.

Transactions You’ll still be able to do all the same banking transactions by simply following the prompts over the phone.




9


An interim statement will be produced for all cycles ending on or before Friday, April 10 from our previous provider. The next statement you receive will be your enhanced statement cycled at month-end from our new provider showing transactions on and after April 11. Monthly maintenance fees will be waived both on the interim statement and on your first enhanced statement.

Your next statement and all subsequent statements will be issued at month end.

You will have access to up to 24 months of previous eStatements.

If you’re already signed up to receive eStatements, you will continue to receive them after the system upgrade is complete. You will not need to sign up again.

What’s moving Fairfield Forward? • New enhanced and streamlined deposit

account statements will be issued at month- end starting in April. The statements are easy- to-read with helpful details and summaries.

• Larger print as well as bolded and italicized items for easy reading.

• Simplified account identification and easier navigation.

• Easy check image retrieval.• An account summary will be generated for

quick and easy reference. It will provide balance totals, rates, and transaction details all in one location.

• A highlighted message area will be displayed prominently for important and/or timely information we don’t want you to overlook.

261FCP0001

Account # Ending BalanceProduct

Summary - All Accounts

..

Date Transaction Description BalanceWithdrawal Deposit

Date Description Amount

Check No. AmountDate Check No. AmountDate Check No. AmountDate

..

Customer Statement

ATM and POS Transactions

Checking Account - 62710099

627100998840012345

673401

$40.02$4,463.19

$804.45

Checking Account Savings Account Overdraft Protection Loan

Pg 1 of 5Account Number:Statement Date:

123456789Jan 01, 2012 thru Jan 29, 2012

Jan 04Jan 08

Jan 15

Jan 19Jan 22

Jan 29

Jan 29

BEGINNING BALANCEWithdrawalExternal Deposit SAMPLE BANK ACCOUNT 152304514366 46DIRECT DEPExternal Deposit SAMPLE BANK ACCOUNT 152304514366 46DIRECT DEPWithdrawalExternal Deposit SAMPLE BANK ACCOUNT 152304514366 46DIRECT DEPExternal Deposit SAMPLE BANK ACCOUNT 152304514366 46DIRECT DEPCredit InterestENDING BALANCE

20.00

20.00

20.00

20.00

0.01

-40.00

-70.00

$70.0130.0150.01

70.01

0.0120.01

40.01

40.02$40.02

Check Summary

��999 Jan 17 100.00 9999*e Jan 18 100.00

Number of Checks: 2 * Indicates a skip in sequence e Indicates an electronic check

Jan 19Jan 19

Activity 01-16 POS Withdrawal (ELN) DUNKIN #338610 Q35 DUNKIN #338610 Q35 AUBURN MAActivity 01-16 POS Withdrawal (ELN) SHELL OIL 22003570375 SHELL OIL 22003570375 AUBURN MA

-2.45-49.69

`ONVbNTfONAL

000001

MR A. SAMPLEMRS. A. SAMPLE1234 S. ILLINOIS ST.LYNN MA 01901

01WZYE

.

01K7AB_COCC_INTRO_MSG

Introducing Your NEW StatementWe hope you will agree that this new format

is easier to read and gives you more information.If you have any questions, please contact your local branch.

.

Phone 877-431-7431

Website www.fairfieldcountybank.com

Email [email protected]

..

PO BOX 2050 Ridgefield CT, 06887-0950

Forwarding Service Requested

.

Statements & eStatements




11


Your checking account number(s) and debit card number will remain the same.

Interest will be paid at month end instead of cycle cut date. Month end is the new cycle cut date.

In some of our checking programs, you may be eligible for surcharge* rebates. Different from the past, the rebate of the surcharge will occur at the end of the statement cycle instead of at the time the transaction occurred.

Statements will be produced at month end instead of various days throughout the month.

Overdraft sweeps or advances will be made in actual transaction amount instead of our previous method of transfer increments of $100.00 to satisfy overdraft advances.

* You may be assessed a fee at ATMs other than those owned and operated by Fairfield County Bank for a transaction or balance inquiry even if you don’t complete a fund transfer.

Personal Checking Accounts




13

What’s moving Fairfield Forward and what you need to know. • Automated debit transactions on savings account balances which are insufficient

will be posted and show a negative balance. Since negative balances are not an option for savings accounts, an immediate credit will be posted to the account and the item drawn insufficient returned. No service charge will be associated with this type of transaction.

• Interest will be paid at the end of each month. • Statements will be produced monthly for savings and money market account,

quarterly for CDs and semi-annually for IRAs.• The plan number associated with your IRA plan will no longer be your tax payer ID

number; it will be a system generated number printed on your first new statement. If you have need assistance locating it on your statement, please contact us.

What’s moving Fairfield Forward and what you need to know. • All checking statement cycles will be at month end.• Statements will be produced monthly for savings and money market accounts,

quarterly for CDs and semi-annually for IRAs.• Remote deposit will be unavailable from 4:00 p.m. Friday, April 10 through

midday Monday, April 13. • You will be contacted by a Cash Management specialist about how the upgrade will

affect Remote Deposit and to schedule a training session.

What’s moving Fairfield Forward and what you need to know. • Loan numbers will remain the same except for the overdraft line of credit. • A separate mailing regarding overdraft line of credit was previously sent. As a

reminder, your account number will change with the addition of the number four in front of your current account number.

• Interest earned on escrow balances accrued from January 1, 2015 through April 10, 2015 will be credited to your Escrow Account on April 10th. You will see this credit on your next billing statement. We will restart the accrual of interest on your escrow balance beginning April 11, 2015. Interest for the period of April 11, 2015 to December 31, 2015 will be paid at year end.

Savings Accounts

Business Accounts

Loans




15

Transactions

What’s moving Fairfield Forward? • All transactions at Fairfield County Bank will occur in real time. This means that items will be debited from or credited to your account immediately.

Additional Information about TransactionsAt Fairfield County Bank, protecting your personal and financial information is one of our most important responsibilities. You can feel confident using our services anywhere and anytime with Fairfield County Bank’s comprehensive security protection.


Availability During the Enhancement

Electronic credits and ATM deposits that you make from the close of business Friday, April 10 through midday Monday, April 13 may not appear immediately.

Transactions Transactions will occur in real time in keeping with banking best practices. This means all transactions will be immediately posted to your account as the Bank receives them. In addition, fees associated with non-sufficient funds will also be debited immediately. For details on funds availability, please see our Funds Availability Policy located on our website .

Direct Deposits Any direct deposits that you have established will remain in place.

Automatic Withdrawals and Pre-authorized Payments

Any automatic withdrawals or pre-authorized payments that you have established will continue to be debited as usual. Please refer to your online banking upgrade document for further details.




17

Frequently Asked Questions

Why is Fairfield County Bank upgrading its system?

The Bank is upgrading its systems to provide you with enhanced features and options to make your banking experience easier, faster, and more convenient.

When will the system upgrade occur?

Most of the changes will be completed during the period from Friday, April 10 at 6:00 p.m. through midday Monday, April 13.

What are the Bank hours during the upgrade?

All branches and our Customer Care Center will be closed on Saturday, April 11, Sunday, April 12, and Monday, April 13.

Visit our website for our most current hours.

How will I be able to access my account funds over the weekend?

VISA® Check Card You will be able to make withdrawals at Fairfield County Bank ATMs and at all NYCE and Cirrus ATM networks and make purchases wherever VISA® is accepted.

ATM Card You will be able to make withdrawals at all eligible NYCE and Cirrus ATM networks.

Will my account number change?

Your deposit account numbers will not change.




fairfieldcountybank.com1-877-431-7431

Member FDIC | Equal Housing Lender | NMLS #516624

Everything you need to know to be fully prepared....• Our automated Connect24SM Telephone Banking...

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