Last Updated: February 6, 2026

This Personal Online Banking Agreement consists of two parts: (i) the E-Sign Disclosure and Consent Agreement; and (ii) the Cambridge Savings Bank Personal Online Banking Agreement.

E-Sign Disclosure and Consent Agreement

Please read this E-Sign Disclosure and Consent Agreement (“E-Sign Agreement”) carefully and keep a copy for your records.

In this E-Sign Agreement, “we”, “us” and “our” mean Cambridge Savings Bank and “you” and “your” means each account holder, owner, or authorized user of a Cambridge Savings Bank account. “Notifications” include but are not limited to account applications and instructions, account signature cards, account agreements, bills, disclosures, periodic statements, terms and conditions, communications about Cambridge Savings Bank Online Banking, and any other documents that pertain to a Cambridge Savings Bank account that you have requested now or in the future. This E-Sign Agreement contains important information about our ability to provide you with Notifications electronically through our Electronic Notification Service. Your consent to this E-Sign Agreement means that any Notifications that we send to you electronically regarding your account(s) will be treated as if we provided them in paper form. This E-Sign Agreement covers each and every account that we offer that you apply for, use, own, or access either now or in the future. When you apply for, use, own or access an account to which this E-Sign Agreement applies, we may provide you with some or all Notifications in an electronic format unless and until you withdraw your consent as described below.

When we provide Notifications electronically, we will never send you an email or text with links directing you to anything but our website, www.cambridgesavings.com. We will never ask you for any confidential information, such as your PIN or social security number in an email or while you are using our Electronic Notification Service.

Electronic Delivery of Notifications: To serve you more efficiently, and with your consent as required by applicable law, we may provide you with Notifications electronically using the Internet, a website, e-mail, messaging services (such as text messaging), and/or software such as applications for mobile or similar devices (rather than by postal mail or in person) for the account(s) you have selected.

Consent to Receive Electronic Notifications: By requesting to receive electronic Notifications, you affirmatively consent to receive, and acknowledge that you can access, receive and retain all Notifications electronically, whether sent by e-mail or other electronic means. You further acknowledge that by accessing the Bank's website at www.cambridgesavings.com, you satisfy the hardware and software requirements discussed more fully below.

Scope of Consent: Your consent to receive Notifications and to do business electronically, and our agreement to do so, applies only to account(s) that you maintain with us and that you specifically designate to receive electronic Notifications, whether existing now or in the future. Unless prohibited by law, if any such account is a joint account, you agree that we may consider any Notifications as being given to all account owners when such Notification is given to you in a manner contemplated by this E-Sign Agreement.

Withdrawal of Consent: You may withdraw your consent to receive electronic Notifications by updating your Notifications selections in your Online Banking profile or by calling us during business hours at 888.418.5626. Your withdrawal of consent will be effective after we have a reasonable opportunity to act upon the withdrawal.

If you are receiving electronic periodic statements or other Notifications, withdrawal of your consent will cause paper statements or other Notifications to be mailed to you and we may charge a fee (or a higher fee) as a result. Please refer to your account agreement(s) and applicable fee schedules for any fees that may apply. Withdrawal of your consent will not affect the legal validity and enforceability of any Notifications, electronic or otherwise, before the effective date of termination of this consent.

Requesting Paper Copies: If you consent to receive electronic Notifications, you can also request a paper copy of the Notifications by contacting us during business hours at 888.418.5626. You may have to pay a fee for paper copies of Notifications unless such a fee is prohibited by law. Please refer to your account agreement(s) and applicable fee schedules for any fees that may apply.

System Requirements: To receive electronic Notifications, you must have, at a minimum, the following equipment and software:

• A personal computer or other access device which is connected to the Internet.
• An active email account.
• A current version of an internet web browser that is capable of supporting TLS 1.2, such as Microsoft® Internet Explorer 11 or higher, Apple® Safari 8 or higher, Firefox® 44 or higher, or Chrome 48 or higher.
• A current version of software which permits you to receive and access Portable Document Format "PDF" files, such as Adobe Acrobat Reader. 

To retain a copy of our electronic Notifications, your personal computer or other access device must have the ability to download to a hard drive or external storage device or to print PDF files. To print, you must have a functioning printer connected to your personal computer or other access device.

If we change our hardware or software requirements and that change would create a material risk that you would not be able to access or retain your electronic Notifications, we will notify you of the revised hardware or software requirements. Your continued use of our Electronic Notifications Service after receiving notice of any hardware or software changes is affirmation of your continued consent to electronic Notifications.

Updating Your Contact Information: You must have an active email address to receive Notifications electronically. Alternatively, you may provide a phone number capable of receiving text messages. You must notify us promptly of any changes to your email address, phone number, or other contact information that you have provided to us. You may notify us of changes by calling us during normal business hours at 888.418.5626. If you fail to update an invalid email account, phone number, or other contact information, you agree that all Notifications are deemed to have been provided to you if they were made available to you electronically as described in this E-Sign Agreement, including any Notifications sent to the email account or phone number on record with us.

Our Use of Your Contact Information: You expressly consent that we may use the contact information (such as phone number or email address) that you provide to us to communicate with you regarding any accounts or services that you have with us.

By providing your mobile phone number, you consent to be contacted at that number about any of your Cambridge Savings Bank accounts and services, including but not limited to: by text message, pre-recorded voice message, and auto-dialing technology to the extent allowed by law. You are responsible for any mobile phone carrier message fees and rates that may apply.

Receiving Electronic Notices: We may send Notifications to the e-mail address or phone number that you designate, post Notifications on our website, or post Notifications on our Online Banking service, with appropriate notices to you as permitted by applicable law. We will treat any notices that we send to you electronically as if it were being sent by U.S. mail, postage prepaid, and will consider any such notices received within three (3) business days of the date sent by us, even if you do not receive the email or text message or access the Bank's website or Online Banking services during that time.

Multiple Access Devices: Your acceptance of this E-Sign Agreement on one access device (such as a computer, mobile device or tablet) constitutes your acceptance on any and all access devices you use. If you change access devices, it is your responsibility to ensure that the new access device meets all hardware and software requirements, as described above, and that you are able to access and view electronic Notifications. Contact us during business hours at 888.418.5626 if you wish to withdraw your consent for electronic Notifications or if you have questions about using a new access device for electronic Notifications.  

Communications: To the extent permitted by applicable law, any communication you send to us will not be effective until we receive it and have had a reasonable opportunity to act on it. We recommend that you do not use email or text to communicate confidential information since Internet or wireless transmission may not be secure. We therefore strongly suggest that you report all matters requiring immediate attention (e.g. reports of alleged unauthorized payments, errors or fraud) to us by calling 888.418.5626 during business hours. We may require you to provide us with written confirmation regarding any such matter. You also agree that we may send you an electronic notice in response to any communication you send to us, regardless of whether your original communication to us was sent electronically. You may send us a secure email through the Online Banking Secure Email feature. These emails are encrypted and are sent directly to your Online Banking account.

Cambridge Savings Bank Personal Online Banking Agreement

Introduction. This Personal Online Banking Agreement (“Agreement”) between you and Cambridge Savings Bank governs the use our Online Banking service (“Online Banking”). The Online Banking service permits Cambridge Savings Bank’s consumer customers to perform a number of online banking functions through the various online banking services (“Online Banking Services”) as set forth in this Agreement. By enrolling in Online Banking or requesting or using any of the Online Banking Services or permitting someone else to use them on your behalf, you acknowledge and agree to the terms of this Agreement, which is subject to change from time to time. You should retain a copy of this Agreement for your files. You may also access the most current version of this Agreement online, and you may print or store a copy from there for your records.

Definitions. Capitalized terms not otherwise defined in this Agreement shall have the following meanings:

• “Alerts” and “Notifications” are interchangeable terms to indicate a communication that you establish or the Bank transmits on your behalf.
• “Bank” or “CSB” refers to Cambridge Savings Bank.
• “Bill Pay Service” means the bill payment service offered by the Bank within Online Banking.
• “Biller” is the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills.
• “Billing Account” is the checking account from which all Bill Pay Service fees will be debited.
• “Business Day” means Monday through Friday; Saturdays, Sundays and holidays are excluded.
• “Cut-off time” refers to the time that transactions are effectively dated.
• “Due Date” is the date reflected on your Biller statement on which the payment is due. It is not the late date or grace period.
• “Online Banking” is the Internet-based service providing access to your Bank accounts.
• “Payment Account” is the checking account from which bill payments will be debited.
• “Payment Instructions” means the information provided by you for a bill payment to be made to your Biller (e.g., Biller name, Biller account number, Scheduled Delivery Date).
• “Personal Computer” means hardware, such as a desktop computer, your home computer, a personal computer, a mobile phone or any similar type of device used to access your accounts at the Bank.
• “Scheduled Delivery Date” is the day you want your Biller to receive your bill payment, unless the Scheduled Delivery Date falls on a non-Business Day in which case the previous Business Day will be considered to be the Scheduled Delivery Date.
• “Scheduled Payment” is a payment that has been scheduled through the Bill Pay Service but has not begun processing.
• “Secure Access Code” is a text, voice, or email message that we send to your cellphone or email address on file with us that contains a unique, one-time passcode that you must enter in order to complete a specific transaction. Never provide your Secure Access Code to anyone that calls, texts, or emails you asking for it.
• “We,” “us,” or “our” refers to Cambridge Savings Bank and any affiliate, subsidiary, agent, independent contractor, designee, service provider or assignee we may, in our sole discretion, involve in the provision of the Online Banking Services.
• “You” or “your” refers to the person enrolling in, accessing, transacting, and using any of the Online Banking Services.

Deposit Account Requirement. You must have a Cambridge Savings Bank deposit account to use the Online Banking Services. Authorized accounts are those used for personal, family, or household purposes that are linked for use with the Services. The Online Banking Services and any linked accounts are also governed by the agreements, disclosures, and other documents provided to you in connection with the opening of your accounts, as the same may be amended from time to time, and include, but are not limited to, the Understanding Your Deposit Account for Personal Accounts handbook, any credit agreement between you and us, and the Personal Account Fee Schedule (collectively, “Account Agreements”). You should review those Account Agreements for any applicable fees, availability of deposits, limitations on the number of transactions you can make, and other restrictions that may impact your use of the Online Banking Services. In addition to the fees set forth in our Personal Account Fee Schedule, there may be other fees associated with performing certain transactions not owned or operated by Cambridge Savings Bank. These other fees are not assessed by us and will not be waived. If you have previously entered into the Cambridge Savings Bank Mobile Deposit Service Agreement or the Cambridge Savings Bank eTransfer Terms of Service, those agreements are superseded and replaced by the terms of this Agreement. To the extent there is a conflict between the terms of this Agreement and your Account Agreements, the terms of your Account Agreements will control except as may be otherwise stated herein. If there is a conflict between what one of our employees says and the terms of this Agreement, the terms of this Agreement shall control.

Access Methods. To access the Online Banking Services, you will need a Personal Computer with a current internet browser that supports 128-bit encryption (for an up-to-date list of certified browsers please contact us). You will need a username and password to log on to Online Banking. In using the Online Banking Services, you acknowledge that you will be sending financial and other data as well as electronic messages directly to the Bank through the Internet and any personal financial software (“PFM”) software that may be licensed to you through the Online Banking Services. You acknowledge and agree that we may use third parties to provide certain of the Online Banking Services to you on our behalf. To the extent permitted by law, you agree that the Bank is not responsible for any security breaches of your Personal Computer, including the fraudulent retrieval of the Online Banking Services, credentials obtained from viruses on your Personal Computer, the internet or PFM software. If you are using a wireless internet connection, you must have adequate security to prevent unauthorized retrieval of confidential Online Banking Services information.

User Confidentiality and Security. We are committed to protecting the security and confidentiality of information about your account and use of the Online Banking Services. We identify users by their unique security credentials including username, password, registered Personal Computer identification, and, for certain transactions, a Secure Access Code. All transactions initiated with your security credentials are attributed to you. You agree not to give or make available your security credentials to any other individual, including anyone claiming to represent us. Your password acts as your signature as the owner and user of the username for your personal Online Banking Services. Your password is an identification code that is personal and confidential. The use of the password with the Online Banking Services is a security method by which we are helping you maintain the security of your accounts.

YOU AGREE THAT YOU WILL NOT DISCLOSE YOUR PASSWORD OR SECURITY CREDENTIALS TO ANYONE, INCLUDING ANYONE THAT CONTACTS YOU CLAIMING TO REPRESENT CAMBRIDGE SAVINGS BANK, AND THAT YOU WILL TAKE ALL REASONABLE PRECAUTIONS TO ENSURE THAT NO ONE ELSE LEARNS YOUR SECURITY CREDENTIALS. YOU AGREE THAT IF YOU GIVE YOUR PASSWORD TO SOMEONE ELSE TO USE OR ALLOW THEM TO ACCESS THE ONLINE BANKING SERVICES, YOU ARE AUTHORIZING THEM TO ACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE ONLINE BANKING SERVICES BY THEM, INCLUDING ANY ACCOUNT DEBITS, UNTIL YOU TELL US THAT YOU HAVE REVOKED THIS AUTHORIZATION. FOR CERTAIN TRANSACTIONS, WE MAY SEND YOU A SECURE ACCESS CODE VIA TEXT, EMAIL, OR AUTOMATED TELEPHONE MESSAGE. WE WILL NEVER CALL OR EMAIL YOU AND ASK YOU TO PROVIDE THE SECURE ACCESS CODE.

If you permit any other person or entity, including any data aggregator or similar service providers, to access Online Banking or to access or use your card numbers, account numbers, PINs, username, password, or other means to access your accounts, you are responsible for any transactions and activities performed on your accounts and for any use of your personal and account information by such persons or entity. You agree to: (i) keep your username and password secure and strictly confidential; (ii) immediately notify us of any change in status, or authority, of any authorized signer on record with the bank; and (iii) immediately notify us and select a new username and/or password if you believe your username or password is known by, or may be used by, an unauthorized person. We will have no liability to you for any unauthorized payment or transfer made using your username or password that occurs before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. We may suspend or terminate your use of the Online Banking Services without notice if we suspect your username or password is being used in an unauthorized or fraudulent manner or in the event of repeated failed payments or transfers. If your subscription is suspended, transactions, which were previously recurring and/or scheduled, will be canceled.

In addition to the foregoing, in order to help protect yourself against fraud, you agree to adhere to the following practices: (i) do not leave your Personal Computer unattended while you are using the Online Banking Services - when you logoff, make sure to completely close your browser; (ii) never leave your account information within range of others; (iii) do not send security credentials or sensitive information such as account numbers, username, password, social security number, or Secure Access Code via email or text; (iv) use and regularly update virus and malware protection software on your Personal Computer; and (v) contact us immediately if you believe that your security credentials have been lost, stolen, or otherwise compromised.

Features and Functionality. You may use the following features and functionality available through Online Banking:

Account Access. You may link your eligible personal accounts (i.e. those used for personal, family, or household purposes) for online access or viewing through Online Banking. These accounts include your checking, savings, money market savings, certificate of deposit, individual retirement account, loans, and lines of credit with us. When you access your accounts, you may view your account balance, summary information, and limited transaction history.

Transfers of Funds. You may use Online Banking to transfer funds. There are three types of transfers; “Account Transfer,” “eTransfer” and “Wire Transfer.” With the Account Transfer service, you can make one-time transfers or schedule future or recurring transfers to move funds among your checking accounts, savings accounts, and home equity lines of credit at the Bank as well as transferring from any of those linked accounts (with the exception of home equity lines of credit and retirement accounts) to most personal or business accounts of other customers at the Bank. Account Transfers have a cutoff time of 8 P.M. ET and transfers initiated after the cutoff time on a Business Day or on a non-Business Day will not process until the following Business Day.

The eTransfer service allows you to transfer money to or from your eligible accounts at the Bank and other accounts held by you at another financial institution, as long as the transfer is permitted by us, your other financial institution, and applicable law. eTransfers have a cutoff time of 5:30 P.M. ET and transfers initiated after the cutoff time on a Business Day or on a non-Business Day will not process until the following Business Day. eTransfers will typically be debited from your account on the Business Day immediately following the day you direct us to initiate processing (i.e. the “send on” date) and will typically be credited to the recipient within two (2) Business Days, however, CSB cannot guarantee the timely delivery of funds as a result of the failure of another institution to act in a timely manner. You agree to be bound by the operating rules and guidelines of the National Automated Clearing House Association (“NACHA Rules”). Any eTransfer using the ACH network is subject to the NACHA Rules. You understand and agree that you may obtain a copy of the NACHA Rules at https://www.nacha.org/ (fees may apply). Failure to comply with the NACHA Rules may result in termination or suspension of your accounts and/or any agreement you have with us. We reserve the right to conduct an audit for purposes of verifying your compliance with the NACHA Rules. By utilizing the eTransfer service you agree to adopt and make to us all representations and warranties of an originator under the NACHA Rules. You understand and agree that in the event we are unable to execute your funds transfer request utilizing the ACH, we may utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check.

We may also make available to you a form that you can submit to us through Online Banking to initiate a Wire Transfer. You acknowledge that we require certain security procedures in order to initiate eTransfers and wire transfers, which include use of your username and password, and may include such other security and identification methods as we may require from time to time, such as security questions, Secure Access Codes, and callbacks to your phone number on file with us. You acknowledge and agree that the security procedures for transfers initiated through Online Banking are commercially reasonable. You agree to be bound by instructions, whether authorized or unauthorized, which we implement in compliance with our security procedures, unless you have given us prior notice of possible unauthorized use of your password and we had a reasonable opportunity to act on such notice.

You further acknowledge and agree that we are entitled to rely on the account number and routing number provided by you without any obligation to look at the name of the beneficiary or bank which may also appear in your eTransfer or wire transfer payment order instruction — even if the number identifies a person different from the named beneficiary or bank. If your eTransfer or wire transfer payment order instruction describes the recipient inconsistently by name and account number, posting of the payment transmitted by CSB to the receiving bank may be made by the receiving bank on the basis of the account number supplied by you — even if such account number identifies a person or entity different from the named recipient. If you provide an incorrect account number or routing number for the recipient, the eTransfer or wire transfer may be misdirected, resulting in the loss of funds. You acknowledge and agree that CSB has no obligation to detect errors and no liability for any incorrect, inconsistent, or missing information in your eTransfer or wire transfer payment order instruction.

Personal Online Banking Statements. When you subscribe to Personal Online Banking Statements, you affirmatively consent that you can access, receive, and retain periodic account disclosures, such as monthly statements and change-in-terms notices, regarding any deposit account, whether existing now or in the future, in the formats we may use. You affirmatively consent to the receipt of such disclosures electronically and discontinuance of paper statements, notices, and disclosures. We may send email communications to your email address on file with us to notify you when your statement is available. Regardless of our sending of such notice or your receipt of such a notice, you acknowledge that you are responsible for retrieving and reviewing your statement on a timely basis in Online Banking, as you must notify us of any discrepancies within the time periods set forth in your Account Agreements. You may cancel the service by notifying us. It may take a full statement cycle to complete your request, so we suggest that you do not close your Online Banking until you receive your paper statement. We recommend that you download or print your statements for future use.

PFM Services. We offer a variety of tools and services within Online Banking to help you better manage your finances. This may include the ability to use third party software that may allow you to: (i) view information about certain accounts accessible through websites at other institutions where you maintain accounts; or (ii) to view your credit score. You agree that the information is provided for informational purposes only in order to generally help you better manage your finances.  You also agree that you have the authority to provide any information that is necessary to utilize such services to us and our service providers. We may change the PFM services offered through Online Banking at any time and without notice. You are responsible for the accuracy of information you input and the use of information retrieved. In order to enroll in PFM services you will generally be required to agree to additional terms and conditions as part of your enrollment.

Electronic Alerts. We provide automatic and voluntary alerts. We strongly recommend that you do not suppress these alerts as some are intended to provide added security to your Online Banking Services. Automatic Alerts are sent to you following certain changes made online to your Online Banking Services, such as a change in your email address or login credentials. You do not need to activate these alerts. Voluntary Alerts must be activated by you. Alerts allow you to choose alert messages for your accounts. Since alerts are not encrypted, we will never include your identifying information such as your username or account number. Likewise, we will never ask you to provide this type of information via an email or text. However, alerts may include your name and some information about your accounts. Depending on which alerts are sent, information such as your account balance or the due date for a payment may be included. Anyone with access to your email or text may be able to view the contents of these alerts. Electronic Alerts will be sent to the home address, email, or phone number, you have provided as your preferred alert destination. If your contact information changes, you are solely responsible for notifying us of that change. We are not responsible for an alert not being delivered if you have not notified us of an address change or given us reasonable time to act on such a request. You understand and agree that your alerts may be delayed or prevented by a variety of factors. We endeavor to provide alerts in a timely manner with accurate information, however 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 on an alert.

Stop Payment Instructions. Except for those electronic instructions, which are completed immediately, you may cancel or change an Account Transfer or eTransfer using the Services, provided that your original instruction has not been acted upon by the Bank. We may not have a reasonable opportunity to act on any stop payment or cancel instruction on or after the Business Day for which the transaction is scheduled to be initiated. Stop payment instructions sent after normal business hours or on a non-Business Day will not be considered received by the Bank until the next Business Day. Although we will make a reasonable effort to accommodate your request, we will have no liability for failing to do so if we do not receive your request in a timely manner. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six months. If requested by the Bank, you will confirm any stop payment order in writing within 14 days after your initial inquiry. After six months, any stop payment order will terminate and must be renewed in order to continue in effect. The Bank may pay any item that is presented following the lapse of any stop payment order. Please refer to your Account Agreements for additional terms with respect to stop payments.

Bill Pay Service. The Bill Pay Service enables you to: (i) make payments (either one-time or recurring payments) from your designated Payment Account to third party Billers as you direct; (ii) use the eBill payment feature to receive electronic bills from participating Billers; and (iii) view Biller bill summary and bill detail information.

The earliest possible Scheduled Delivery Date for each Biller (typically four (4) or fewer Business Days from the current date) will be designated within Online Banking when you are scheduling the payment. Therefore, the Bill Pay Service will not permit you to select a Scheduled Delivery Date less than the earliest possible Scheduled Delivery Date designated for each Biller. When scheduling payments you must select a Scheduled Delivery Date that is no later than the actual Due Date reflected on your Biller statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non- Business Day, you must select a Scheduled Delivery Date that is at least one (1) Business Day before the actual Due Date. Scheduled Delivery Dates must be prior to any late date or grace period. For payments made by electronic transmission, the payment amount will be debited from, or charged to, your Payment Account on the Scheduled Delivery Date. Since we cannot predict the exact date that a check will be presented to us for payment, please make sure you have sufficient funds in your account beginning a few days before your Scheduled Delivery Date and keep such funds available until the payment is deducted from your account.

We reserve the right to select the method in which to remit funds on your behalf to your Biller. These payment methods may include, but may not be limited to, an electronic payment, a check payment, or some other means. Although you will not be able to select how a Biller will be paid, most major Billers accept electronic payments. If we pay by check, the check may either be drawn on our or our service provider’s account or it may be drawn directly on your Payment Account. If the check is drawn on your Payment Account the funds will not be deducted from your Payment Account until the check has been presented to us for payment which may occur before, on, or after the Scheduled Delivery Date. If the check is drawn on our or our service provider’s account the funds will generally be deducted from your Payment Account prior to the Scheduled Delivery Date in order for us to prepare the payment for the Scheduled Delivery Date. You must ensure there are sufficient available funds in your Payment Account at all times when scheduling any payment.

By providing us with names and account information of Billers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Bill Pay Service. In order to process payments more efficiently and effectively, the Bill Pay Service may edit or alter payment data or data formats in accordance with Biller directives. This authorization extends to introductory electronic bill presentment and delivery for limited time periods for eligible users. When we receive a Payment Instruction, you authorize us to debit your Payment Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Delivery Date designated by you. You also authorize us to credit your Payment Account for payments returned to the Bill Pay Service by the United States Postal Service or Biller, or payments remitted to you on behalf of another authorized user of the Bill Pay Service.

We shall incur no liability and any Bill Pay Service Guarantee shall be void we are unable to complete any payments initiated by you because of the existence of any one or more of the following: (i) your Payment Account does not contain sufficient funds to complete the transaction; (ii) you have not provided us with the correct Payment Account information, or the correct name, address, phone number, or account information for the Biller; (iii) you have scheduled a Prohibited Payment or Exception Payment; (iv) the Online Banking Service is not working properly and you know or have been advised by us about the malfunction before you execute the transaction; and/or (v) circumstances beyond our reasonable control (including, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction.

We reserve the right, in our sole discretion, to refuse to pay any Biller to whom you may direct a payment. We will generally attempt to notify you if we decide to refuse to pay a Biller designated by you. This notification is not required if you attempt to make a Prohibited Payment or an Exception Payment as described in this section below or if, in our sole discretion, we believe that the payment is designed to facilitate illegal or other high-risk activity. Payments to Billers outside of the United States or its territories, as well as any payments prohibited pursuant to the terms of your Account Agreements, are prohibited through the Bill Pay Service (“Prohibited Payment”). In addition, tax payments and court ordered payments (collectively, “Exception Payment”) may be scheduled through the Bill Pay Service; however, such payments are discouraged and must be scheduled at your own risk. In no event shall we be liable for any claims or damages resulting from your scheduling of any Prohibited or Exception Payment. The Bill Pay Service Guarantee as it applies to any late payment related charges is void when these types of payments are scheduled and/or processed by the Bill Pay Service. We have no obligation to research or resolve any claim resulting from an Exception or Prohibited Payment. All research and resolution for any misapplied, mis-posted or misdirected Exception or Prohibited will be the sole responsibility of you and not us.

An Expedited Payment is an optional service available with participating Billers that allows you to have your payment initiated and processed immediately for an additional fee. There are two Expedited Payment options available. A Same Day Bill Pay (sent as an electronic payment to participating Billers) will be processed and posted the same day. An Overnight Check payment (sent as a paper draft payment to any Biller who accepts paper payments) will be sent via overnight delivery to the Biller for receipt by the end of the next Business Day. Please note, although the payment will arrive earlier than the typical four (4) Business Days, it is at the Biller’s discretion how quickly the payment is processed and posted. The Bill Pay Service will automatically determine which Expedited Payment option is available to you to make payments to a specific Biller, and it will also automatically determine the date by which your Expedited Payment will be processed (“Scheduled Delivery Date”). The Expedited Payment option may not always be available. Depending on the time of day, you might not have sufficient lead time to make an Expedited Payment. If the Expedited Payment option is not available for an intended Biller, it will not be presented as an option to you and the earlies possible Scheduled Delivery Date, without a fee, will be designated. Once you submit an Expedited Payment, it will begin processing immediately and you will not be able to change or cancel it. By selecting either of the Expedited Payment options, you authorize us to follow your payment instructions. For an Expedited Payment, you authorize us to charge a fee for each Expedited Payment as a separate transaction. The amount of each Expedited Payment and each fee will be deducted from your account as separate transactions, which might result in you incurring an overdraft charge for the Expedited Payment as well as an overdraft charge for the fee if you do not have sufficient funds to process either the Expedited Payment or the fee. Please refer to the Fee Schedule for specific fee information. The Expedited Payments are described as Rush Delivery fees on the Fee Schedule.

You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment. Once the Bill Pay Service has begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted. Our ability to process a stop payment request will depend on the payment method or whether or not an item has cleared. We may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact our Contact Center. Although we may attempt to accommodate your request, we will have no liability for failing to do so. We may also require you to present your request in writing within fourteen (14) days. The charge for each stop payment request will be the current charge for such service as set forth in our Fee Schedule.

In using the Bill Pay Service, you understand that Billers and/or the United States Postal Service may return payments to us for various reasons such as, but not limited to, Biller's forwarding address expired; Biller account number is not valid; Biller is unable to locate account; or Biller account is paid in full. We will use commercially reasonable efforts to research and correct the returned payment and return it to your Biller, or void the payment and credit your Payment Account. In using the Bill Pay Service, you are requesting that we make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are insufficient funds in your Payment Account to cover the transaction), the transaction will not be completed. In some instances, you will receive a return notice from us. In such case, you agree that: (i) you will reimburse us immediately upon demand the transaction amount if we have delivered the payment but there are insufficient funds in your Payment Account to allow us to complete the debit processing; (ii) for any amount not reimbursed within fifteen(15) days of the initial notification, a late charge equal to 1.5% monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed; (iii) you will reimburse us for any fees we incur in attempting to collect the amount of the return from you; and (iv) we are authorized to report the facts concerning the return to any credit or consumer reporting agency.

Your enrollment in the Bill Pay Service may not be fulfilled if we cannot verify your identity or other necessary information. Through your enrollment in the Bill Pay Service, you agree that we reserve the right to request a review of your credit rating at our own expense through an authorized bureau. In addition, you agree that we reserve the right to obtain financial information regarding your account from a Biller (for example, to resolve payment-posting problems or for verification).

The Bill Pay Service includes a feature that electronically presents you with electronic bills from select Billers. Electronic bills may not be available from all of your Billers. Electronic bills are provided as a convenience only, and you remain solely responsible for contacting your Billers directly if you do not receive their statements. In addition, if you elect to activate one of the electronic bill options, you also agree to the following:

1. We are unable to update or change your personal information such as, but not limited to, name, address, phone numbers and email addresses, with the electronic Biller. Any changes will need to be made by contacting the Biller directly. Additionally, it is your responsibility to maintain all usernames and passwords for all electronic Biller sites. You also agree not to use someone else's information to gain unauthorized access to another person’s bill. Your activation of the electronic bill feature for a Biller shall be deemed by us to be your authorization for us to obtain bill data from the Biller on your behalf. For some Billers, you will be asked to provide us with your username and password for that Biller. By providing us with such information, you authorize us to use the information to obtain your bill data.
2. Upon activation of an electronic bill introductory period or electronic bill feature we may notify the Biller of your request to receive electronic billing information. The date of presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of each Biller. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Biller reserves the right to accept or deny your request to receive electronic bills.
3. We will attempt to present all of your electronic bills promptly. In addition to notification within the Bill Pay Service, the Bill Pay Service may send an email notification to the email address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Bill Pay Service and check on the delivery of new electronic bills. The time for notification may vary from Biller to Biller. You are responsible for ensuring timely payment of all bills.
4. The electronic Biller reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller. It may take up to sixty (60) days, depending on the billing cycle of each Biller. The Bill Pay Service will notify your electronic Biller(s) as to the change in status of your account but it is your sole responsibility to make arrangements for an alternative form of bill delivery. We will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.
5. You agree to hold us harmless should the Biller fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Biller directly.
6. We are not responsible for the accuracy of your electronic bill(s). We are only responsible for presenting the information we receive from the Biller. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Biller directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers.

Due to circumstances beyond our control, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be credited to your account. We will bear responsibility for any late payment related charges up to $50.00 per payment, should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described in this Agreement.

Mobile Deposit Service. This section of the Agreement governs the terms of consumer remote deposit service, which we refer to as “CSB Mobile Deposit”. CSB Mobile Deposit is designed to increase convenience to our retail customers. The service allows you to make deposits of checks (“original checks”) to your CSB account(s) from home or other remote locations by scanning the original checks and delivering the digital images and associated deposit information (“images”) to us, or our processor, with your smart phone, tablet or other mobile device. You must be a CSB Online Banking user with a valid email address to apply for CSB Mobile Deposit.

Capitalized terms not otherwise defined in this section shall have the following meanings:

“Drawn On” means the account in which the funds for the check that is to be paid are held.

“Endorsement” of “Endorse” means the Payee’s signature(s) and other required information on the back of the check.

“Funds Availability Disclosure” means our explanation of when the funds that are represented by a check that is deposited in a CSB account become available for a customer’s use, which may be obtained from a customer service representative in any of our branches or in your Account Agreements.

“Payee” means the person to whom payment is made by a check.

“Payor” means the person who orders payment – in other words, the person who signs a check.

Mobile deposits are subject to daily and rolling 30-day deposit limits. We may review your account any time to assess the appropriateness of your current limits and we may adjust your limits (including to zero) in our sole discretion. You agree to scan and deposit only checks Drawn On U.S. banks in U.S. dollars. You agree that you will not use CSB Mobile Deposit to deposit: (i) checks which are stale (more than 6 months old,) or post-dated (made payable at some point in the future); (ii) checks payable to any person or entity other than you (i.e., payable to another party and then Endorsed to you); (iii) checks payable to you and another party who is not a joint owner on the account; (iv) checks that contain evidence of alteration, or that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is Drawn On; or (v) deposits which exceed your daily or rolling 30 day limit.

Each image must provide all of the information that is contained on the front and back of the original check at the time presented to you by the Payor, including, but not limited to, the following information: information about the Payor and the paying bank that is preprinted on the original check; the numerical encoded information on the bottom of the check; the Payor’s signature(s); and all required Endorsements applied to the back of the original check. The image quality must meet the standards established by the American National Standards Institute, the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Endorsements must be made on the back of the check within 1½ inches from the top edge. Your Endorsement must include your signature, your account number and the words “FOR MOBILE DEPOSIT ONLY”. Any loss we incur from a delay or processing error resulting from an irregular Endorsement or other markings by you will be your responsibility. If the check is made payable to you and another Payee, both of you must Endorse the check, and it must be deposited into a CSB joint account owned by both of you. If the check is payable to you or another Payee, either of you may Endorse the check and deposit it into any CSB account for which the person endorsing the check is an authorized party. If the check lists two Payees and does not specify “or”, we will require both Payees to Endorse the check, and deposit the check into a CSB joint account owned by both Payees. As described in your Account Agreement, we may not accept checks with multiple Endorsements for deposit unless we are able to verify each Endorsement.

All images processed for deposit through CSB Mobile Deposit will be treated as “deposits” under your current Account Agreement with us and will be subject to all terms of the Account Agreement. When you initiate a mobile deposit, it is not deemed “received” by us until we have processed and credited the deposit to your account. This process does not mean that the image contains no errors. We are not responsible for any image we do not receive. We may process the mobile deposit by preparing a “substitute check” or using the image you have provided to clear the item. We reserve the right to reject any deposit made through CSB Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretion. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing Endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected.

After you receive confirmation that we have received an image, you must securely store the original check for ninety-one (91) days after transmission to us and make the original check accessible to us at our request. We may request to view the original check for a variety of reasons, such as we have concerns with the accuracy or validity of the image. Upon our request, and within five (5) business days, you must deliver to us, at your expense, the original check. If you do not provide the original check in a timely manner, the deposit in question will be reversed from your account. At the end of this ninety-one (91) day period, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if the original check is ever presented again for payment.

As with any non-cash deposit, credit to your account for any check deposited using CSB Mobile Deposit is provisional. If an original check deposited through CSB Mobile Deposit is dishonored, rejected or otherwise returned unpaid for any reason, including without limitation issues relating to the quality of the image that you have transmitted to us, you will receive an image, reproduction or substitute of the original check and we will charge the deposit amount back to your account. As with any returned item, you will be responsible for reimbursing us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. You are prohibited from attempting to deposit or otherwise negotiate an original check through CSB Mobile Deposit if it has been charged back to you. You may be able to negotiate a returned item in person, and should speak to a customer service representative at any of our branches if you require such assistance. As described in your Account Agreement, if you deposit a check that is returned to CSB for any reason, including insufficient funds of the Payor, we may “set off” the amount of the returned item. We may “set off” by debiting the account into which you deposited the returned item or by transferring funds from another CSB account held by you. We may do so whether or not the reason for the returned item was presented to us on a timely basis.

You make the following warranties and representations with respect to each image you transmit to us using CSB Mobile Deposit:

1. Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the payer of the check has no defense against payment of the check.
2. The amount, Payee(s), signature(s), and Endorsement(s) on the image and on the original check are legible, genuine, and accurate.
3. You will not deposit or otherwise Endorse to a third party the original check. No person will receive a transfer, presentment, return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check, such that the person will be asked to make payment based on an item that has already been paid.
4. There are no other duplicate images of the original check, other than a non-negotiable photocopy which may be kept for recordkeeping purposes.
5. The original check was authorized by the payer in the amount stated on the original check and to the Payee(s) stated on the original check.
6. You are authorized to enforce and obtain payment of the original check.
7. You have possession of the original check and no party will submit the original check for payment.
8. You will notify us immediately if you learn of any loss or theft of the original check.
9. You will use CSB Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit images of original checks for deposit and that you have handled the original checks in accordance with applicable laws, rules and regulations.

With respect to each image, you make to us all representations and warranties that we also make, or are deemed to make, to any party pursuant to law, regulation or clearing house rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. CSB Mobile Deposit may be temporarily unavailable due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and/or Internet software. In the event that CSB Mobile Deposit is unavailable, you may deposit original checks at our branches, through our ATMs or by mailing the original check to:

Cambridge Savings Bank

P.O. Box 380206

Cambridge, MA 02238-9906

Deposits made through our CSB Mobile Deposit service are not considered electronic direct deposits for purpose of funds availability. Deposits made through CSB Mobile Deposit are considered to be made in Cambridge, Massachusetts with a 7:00 P.M. Eastern Time cut-off time. Any deposit made through CSB Mobile Deposit received and confirmed before 7:00 P.M. Eastern Time on a Business Day that we are open will be credited to your account the same day. Deposits made through CSB Mobile Deposit which are received and confirmed on or after 7:00 P.M. Eastern Time and any such deposits confirmed received on holidays or days that are not our Business Days will be credited to your account on the following Business Day. Deposits made through CSB Mobile Deposit are subject to the Funds Availability Disclosure.

You agree you will complete each deposit via CSB Mobile Deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to take all necessary steps to safeguard against unauthorized deposits. You must notify us immediately by telephone at (888) 418-5626 and with written confirmation if you learn of any loss or theft of original checks. You agree to ensure the safety and integrity of original checks from the time of receipt until the time of destruction. You are solely responsible for the quality, completeness, accuracy, validity and integrity of any image transmitted to us using CSB Mobile Deposit. You are solely responsible if you intentionally or unintentionally submit fraudulent, inaccurate, incorrect, illegible or otherwise improper or unusable images to us. You are also solely responsible if CSB Mobile Deposit is used by any person other than you using your credentials, whether or not you have authorized such other person, to submit fraudulent, unauthorized, inaccurate, incorrect, illegible or otherwise improper or unusable images to us. In addition, you agree that you will not modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile, copy or reproduce all or any part of, or interfere or attempt to interfere with, the technology or service included in or associated with CSB Mobile Deposit. We and our service provider(s) retain all rights, title and interests in and to all services, technology, software, development and hardware included in or associated with CSB Mobile Deposit.

You understand and agree that you are required to indemnify us and all of our affiliates, officers, employees and agents and hold us and all of our affiliates, officers, employees and agents harmless from and against any and all claims, actions, damages, liabilities, costs and expenses, including reasonable attorneys’ fees and expenses, arising from your use of CSB Mobile Deposit and/or any breach of the terms and conditions of this Agreement. You understand and agree that this paragraph shall survive the termination of this Agreement. You understand and agree that you are required to indemnify our service providers and each of their affiliates, officers, employees and agents, from and against any third party claims, suits, proceedings, actions or demands, including claims of another financial institution, business entity or governmental authority, and all losses, liabilities, damages, fines, penalties, costs and expenses, including court costs and reasonable attorney fees and expenses, arising from such claims, to the extent such claim is related to us or your use of CSB Mobile Deposit, unless such claim directly results from an action or omission made by our service provider in bad faith. You understand and agree that this paragraph shall survive the termination of this Agreement.

Transaction Limits. There may be limits on the amount or frequency of money you can send or deposit through the Online Banking Services. These limits may be adjusted by us from time to time in our sole discretion and may not be the same for each service offered or for each customer. You can determine your limits by viewing them within the applicable Online Banking Services or by contacting our Contact Center. In addition, Cut-off times may vary by the specific services within Online Banking.

Disclaimer of Warranties. YOU AGREE THAT YOUR USE OF THE ONLINE BANKING SERVICES AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE ONLINE BANKING SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT THE ONLINE BANKING SERVICES WILL MEET YOUR REQUIREMENTS OR WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. WE MAKE NO WARRANTY THAT THE RESULTS THAT MAY BE OBTAINED USING THE ONLINE BANKING SERVICES WILL BE ACCURATE OR RELIABLE OR THAT ANY ERRORS IN THE ONLINE BANKING SERVICES OR ANY OF THE TECHNOLOGY RELATED THERETO WILL BE CORRECTED.

Our Liability. We will process and complete all Online Banking Services which comply with the terms of this Agreement. Except as otherwise provided in this Agreement, if we do not complete such a transaction, we may be liable for direct damages you may suffer. In no event shall we be liable for any indirect, special, incidental, punitive, or consequential damages. In addition, we shall incur no liability if we are unable to complete any transaction initiated by you or on your behalf because of the existence of one or more of the following circumstances:

1. Through no fault of ours, your account, and any overdraft account, if applicable, does not contain sufficient available funds to complete the payment. Transactions are based on available funds in accordance with our Funds Availability Disclosure.
2. The Online Banking Services, your communication line, your Personal Computer, modem or mobile device was not functioning properly and you knew about the malfunction or were advised of it by us when you started the transaction.
3. The Biller mishandles or delays crediting or accounting for a payment properly sent by us.
4. You did not properly initiate a transaction or provide us with the correct names and account information for those Billers or other payees to which you wish to direct payment.
5. Circumstances beyond our control (such as, but not limited to, fire, power outage, equipment or technical breakdown, delays in the mail delivery, flood, or other outside force) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid those circumstances.
6. You instruct us to make a type of payment, such as tax payment or court-ordered payment.
7. The funds are subject to legal process or other hold or encumbrance restricting such transfer.
8. Your subscription to the Online Banking Services, your account(s) with us, your accounts that are not Cambridge Savings Bank accounts, or PFM service has been terminated for any reason.
9. For any other failure or error, unless such failure or error was the result of the Bank’s gross negligence or willful misconduct.
10. You knowingly accessed the Services without the protection and proactive use of industry accepted security methods, such as anti-virus software or firewalls, to safely store and keep your confidential information.
11. You used unsupported browsers, a mobile phone or unprotected internet connection, such as wireless internet access, to view your Services.
12. We have reason to believe that transactions are being transacted with or without your actual knowledge that do not conform to our operating standards.

Limitation of Liability. EXCEPT AS OTHERWISE SPECIFICALLY SET FORTH HEREIN OR IN THE EVENT OF OUR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF, THE ONLINE BANKING SERVICES REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF WE HAVE BEEN INFORMED OF THE POSSIBILITY THEREOF, EXCEPT AS OTHERWISE REQUIRED BY LAW.

New Services. You may be notified of new services being introduced for Online Banking from time to time. By using these services when they become available, you agree to be bound by the terms and conditions that will be made available to you concerning these services.

Insufficient Funds. If you have instructed us to make a payment or debit for which there are insufficient available funds in your selected Bank account, the payment may not be made. In this instance, if the debit was for a Bill Pay Service transaction, we may cancel future recurring and scheduled payments. If the debit was for an eTransfer transaction, your eTransfer service may be canceled. It is your responsibility to contact us to resolve this matter. Simply making a deposit into your account will not satisfy the Bill Pay Service or eTransfer Service and reactivate either if those services have been deactivated. When your account is blocked, no electronic payments will be made. If the Bill Pay Service is reactivated, you will have to reschedule payments. We will not be liable for any payments that are not executed due to your account having insufficient funds. If a payment is made even though sufficient funds were not available in your account and we are unable to recover the amount of the payment by debit to the Biller or by charging your account, you agree to repay the funds owed immediately, including any applicable fees. In all cases, you are responsible for making alternate arrangements for the payment or to reschedule any payment, transfer or debit. Refer to the Bill Pay Service section of this Agreement for additional information with respect to insufficient funds and the Bill Pay Service. For our eTransfer Service, we reserve the right to review all circumstances on a case-by-case basis. As a general rule, we will not reinstate an eTransfer Service once it has been suspended for insufficient funds or any other reason. For all Online Banking Services, such suspension and/or reinstatement decisions remain our sole discretion.

Electronic Notice: E-Mail and Text Messaging. To the extent permitted by applicable law, any e-mail or text you send us will not be effective until we receive it and have had a reasonable opportunity to act on it. We therefore strongly suggest that you report all matters requiring immediate attention (for example, reports of alleged unauthorized payments or errors or requests for stop payments) to us by contacting us via a means noted at the end of this Agreement. We may, however, require you to provide us with confirmation of any oral or electronic stop payment request or notice of alleged error. You also agree that we may send you an electronic notice in response to any communication you send to us, regardless of whether your original communication to us was an e-mail or text. E-mail and text communications may not be secure. Thus, we request that you do not send us or ask for sensitive information such as account numbers, usernames, secret passwords, social security numbers, account information, or similar sensitive information, via e-mail or text. You may use the Secure Email feature in Personal Online Banking for communications involving the exchange of sensitive information.

Unauthorized Use. Notify us immediately if you believe that your username, password, or Secure Access Code has been lost, stolen or otherwise compromised. As a preliminary step, you should also immediately change your password if you know these have been compromised. Telephoning is the best way of minimizing your possible losses. If you think your username, password, or Secure Access Code has been lost, stolen or used without your permission, contact us immediately using one of the means noted at the end of this Agreement. In addition, if you give your username, password, or Secure Access Code to any other person, you will be deemed to have authorized that person to access any and all accounts noted in the Online Banking Services. The law may limit your liability for certain unauthorized transactions if you notify us promptly.

Amendments. We may amend or change this Agreement at any time. If the change adversely affects you, we will give you notice prior to the effective date of the amendment to the extent required by applicable law. Such notification may be by U.S. Mail, e-mail, or text to your address, email address, or phone number, as it appears on our records. We may also provide such notification by posting notice on our website or within Online Banking. Your use of Online Banking, including any new or additional service, after the effective date of the change will constitute your acceptance of and agreement to the change. We may terminate your participation in the Online Banking Services for any reason, including inactivity, at any time. We will try to notify you in advance, but we are not obligated to do so.

Termination; Inactivity. Unless otherwise required by applicable law, we may terminate this Agreement or any of the Online Banking Services for any reason in our sole discretion without prior notice. You also have the right to terminate the services provided under this Agreement by calling us or writing to us at the telephone number or address set forth below. If you call, we may require you to put your request in writing and send it to us within ten Business Days after you call. However, termination of this Agreement will be effective the day you call. Since termination requests take up to 30 days to process, you should cancel all outstanding payment or transfer orders in addition to notifying us of your desire to terminate the service. We will not be liable for payments or transfers not canceled, or payments or transfers made due to lack of proper notification by you of service termination. If you do not access the Online Banking Services, sign on to the Online Banking Services or have any transaction scheduled through the Online Banking Services during any consecutive 90 day period we may cancel your Online Banking Services and require you to reapply through our online registration process.

Governing Law. The laws of the Commonwealth of Massachusetts shall govern this Agreement. In the event of a dispute regarding the Online Banking Services, you and we agree to resolve the dispute by looking to the terms and conditions contained herein and disclosures you received when your account was opened, including your Account Agreements. You may request a copy of these documents from us at any time.

Your Contact Information. You are responsible for keeping your contact information with us current. We may rely on your address, including, without limitation, your e-mail address, as it appears on our records for any and all communications we send to you unless and until you notify us in writing at the address set forth below and we have had a reasonable opportunity to act on such notice.

Our Contact Information. You may contact us using the following information: