E-Sign and Online Banking Disclosure. E-Sign Disclosure

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1 E-Sign Disclosure Disclosure Relating to Electronic Delivery of the Savings Institute Online Banking Agreement. Before you use our Online Banking Services, you must agree to the terms of our Online Banking Agreement (called the Agreement in this disclosure). The Online Banking Service permits you to electronically initiate account transactions and communicate with Savings Institute (the Bank ). The Agreement contains the terms that govern your use of the Online Banking Service including Bill Pay Service and Mobile Banking Service. You can agree to the terms of the Agreement by clicking on the I Accept button on the registration page. To Receive the Agreement Electronically; Printing the Agreement. You can consent to receive the Agreement, and future notices relating to the Agreement, electronically by clicking on the I Accept button below. Electronic notices relating to the Agreement will appear as a new message on the Welcome Page when you sign on to Online Banking. In order to use Online Banking and to access, receive and retain Notices electronically, you must provide at your own expense all necessary telephone lines, Internet or other connections and equipment needed to access the Online Banking Services and to receive Notices electronically. Your computer must meet the following minimum requirements: an Internet web browser with capabilities to support 128 bit encryption (Current and previous two versions of Firefox, Internet Explorer and Safari, are examples). You confirm that your computer will meet these specifications and requirements and will permit you to access and retain any Notice electronically each time you access and use Online Banking. We will give you Notice of any change to these specifications and requirements if the proposed change will adversely affect your ability to access and retain subsequent electronic Notices from us. If you receive the Agreement electronically, you can print this Agreement by selecting File, then Selecting Print from your browser's menu. To Receive a Paper Copy. You also have the right to receive a paper copy of the Agreement or any future notices. You may request a paper copy of the Agreement or any future notices at no charge in one of the following ways: send an Electronic mail message ( ) with your name and mailing address to call us at and ask for the Electronic Banking Department, or write to Savings Institute, Attention: Electronic Banking Department, 803 Main St., Willimantic, CT 06226, with your name and mailing address. Be sure to state that you are requesting a copy of the Online Banking Agreement. To Withdraw Your Consent to Receive Notices Electronically. You can also contact us in any of the ways described in the preceding paragraph to withdraw your consent to receive any future notices or Agreements electronically. If you withdraw your consent, we will send all future notices to you in paper form, at no additional charge. If you revoke your consent, your right to use Online Banking may be terminated. To Notify Us of a Change in your Address. You can notify us of a change in your address by logging on to the Online Banking Service (select Profile then select change and follow the instructions for changing your address) or write to Savings Institute, Attention: Electronic Banking Department, 803 Main St., PO Box 95, Willimantic, CT 06226, and give us your name and your new address. BY CLICKING THE I ACCEPT BUTTON BELOW You consent to the electronic delivery of the Online Banking Agreement and other notices or disclosures relating to the Agreement. You also agree that the Bank does not need to provide you with an additional paper (non-electronic) copy of the Agreement unless specifically requested. 1

2 Online Banking Agreement In this agreement "you", "your", and "yours" refers to each of you that will be using the Savings Institute Bank & Trust Co Online Banking Services described in this agreement. "We", "us", "ours", and "Bank" refers to the Savings Institute Bank & Trust Co. "Account" refers to the deposit accounts you have designated in your application for the Savings Institute Bank & Trust Co Online Banking Services and any Insti-Reserve line of credit account that you can access by overdrawing one of the designated deposit accounts. This agreement contains the terms and conditions governing the Savings Institute Bank & Trust Co Online Banking Services for which you have applied. The Savings Institute Bank & Trust Co Online Banking Service is an electronic banking and information service which permits you through the use of your personal computer to access your Accounts through the Internet using a browser. You agree to use the Savings Institute Bank & Trust Co Online Banking Services only for the purpose for which it is intended in accordance with this Agreement and the instructions we provide to you. Online Banking and Bill Payment through Quicken is inclusive of the terms and conditions of the Electronic Funds Transfer Disclosure including but not limited to transaction limits, transaction processing and system availability. Specifics of Online Banking and Bill Payment through Quicken are documented in the Online Help which is accessible via the Internet service. 1. Use of the Savings Institute Bank & Trust Co Online Banking Services. You must register to use the Savings Institute Bank & Trust Co Online Banking Services over the Internet. Initially, you may register to access three Savings Institute Bank & Trust Co deposit accounts. The registered accounts must be savings or checking accounts, with a checking account designated as the primary access account. You will be able to access additional Savings Institute Bank & Trust Co accounts approximately 24 hours after your initial login. If your registration is accepted you will be able to access Savings Institute Bank & Trust Co Online Banking Services immediately after the registration is completed. If your registration has not been accepted immediately, please allow two business days for the registration to be reviewed. Upon review, if the information is accurate an acceptance will be sent and you will be able to access Savings Institute Bank & Trust Co Online Banking Service. If your registration is rejected for any reason, you will receive an and/or be contacted by branch personnel for additional information. Before you use the Savings Institute Bank & Trust Co Online Banking Services you should read this Agreement and the instructions we provide which describe the Savings Institute Bank & Trust Co Online Banking Services in greater detail. Your use of any of the Savings Institute Bank & Trust Co Online Banking Services means that you agree to the terms and conditions stated in this Agreement and the instructions. 2. Deposit and Credit Agreements. The terms and conditions in this Agreement are in addition to any deposit account, Insti-Reserve credit account or other agreement you have with us relating to your Accounts, including any disclosures made pursuant to such agreements. You must maintain your Accounts in good standing with the Savings Institute Bank & Trust Co in order to perform transactions through those Accounts using the Savings Institute Bank & Trust Co Online Banking Services. 3. Equipment Requirements. Use of Internet Access. Access to the Savings Institute Bank & Trust Co Online Banking Services is through the Internet. Your computer must meet the following minimum requirements: an Internet web browser with capabilities to support a minimum 128 bit encryption (Firefox 3.5, Firefox 3.6, Internet Explorer 7, Internet Explorer 8, Safari 5.0, are examples). a. Your Responsibility. The installation, maintenance and operation of your equipment, including, but not limited to, your computer or mobile devices or any personal software you use and the Internet access through your Internet access provider is your responsibility. We are not responsible for any errors or failures from any malfunction of your equipment and software. 2

3 b. Our Responsibility. We are not responsible for any computer virus or related problems that may be associated with the use of the Savings Institute Bank & Trust Co Online Banking Services. c. Limitation of Liability. Neither we nor any of our service providers are liable for any damages arising or resulting from the use or maintenance of the equipment or other items necessary to operate the Savings Institute Bank & Trust Co Online Banking services. Personal financial software that you may choose to use in connection with the Savings Institute Bank & Trust Co Online Banking Services may include other functions and features (such as home budgeting and mortgage comparisons) which are not associated with the Savings Institute Bank & Trust Co Online Banking Services, and we are not responsible for them either. You agree that we are not responsible for any failure or loss caused if such financial software or any of your personal hardware or software is not compatible with Savings Institute Bank & Trust Co Online Banking Services, including lack of compatibility with our systems. d. Limitation of Warranty. NEITHER WE, ANY SOFTWARE SUPPLIER NOR ANY INFORMATION PROVIDER MAKE ANY WARRANTIES REGARDING YOUR EQUIPMENT AND YOUR SOFTWARE, INCLUDING ANY SOFTWARE WE PROVIDE, EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, UNLESS DISCLAIMING SUCH WARRANTY IS PROHIBITED BY LAW. 4. Description of the Savings Institute Bank & Trust Co Online Banking Services. Depending on the services requested by you when you registered, the Savings Institute Bank & Trust Co Online Banking Services allows you to perform some or all of the following functions: Obtain account balances and transaction information for your accounts Transfer funds between your Accounts, including accounts at another Financial Institution. Send secure messages to us include submitting secure forms Make payments to any person or business (a "payee") in the United States (except Taxing authorities) Schedule and make future payments as far as 364 days in advance Set up automatic, recurring future payments Review, change and cancel payments Inquire about specific payments Establish alerts to notify you of transaction activity View images of paid checks Place stop payments on checks you have written View estatements Re-order checks if previously ordered through us Update your contact information such as mailing address, address and telephone numbers Deactivate and reactivate your debit card* Update your security information such as user ID, password and personal image. These features of the Savings Institute Bank & Trust Co Online Banking Services are limited by and subject to the terms set forth below: a. Your ability to transfer funds from your savings and money market accounts is limited by federal law, as stated in our Deposit Account Contract. Transfers from a Statement Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle with no transfers by check, draft, debit card, or similar order to third parties. Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similar order to third parties are limited to six per monthly statement cycle. 3

4 b. There may be a one (1) business day delay in transferring funds between designated accounts depending upon the day and time on which you request the transfer. c. A transfer from an Insti-Reserve Credit Account will be treated as a cash advance from that Account and is subject to the Agreement that governs that Account. d. No transfers may be made from any account that requires two or more signatures. e. Balance and transaction information provided on any day will generally be current only as of the close of business on the preceding business day. Transactional information for your accounts will be available from the Savings Institute Bank & Trust Co Online Banking Services for the last one hundred eighty days (180) days, but are limited to the last ten thousand (10,000) transactions. f. You may transfer funds to and from accounts you have access to at other financial institutions within this service. Transfers can be scheduled for future-dated or recurring delivery dates. All future scheduled and historical transfers are viewable from within the Transfer Activity section. Transfers set up prior to 3:00 p.m. on a business day that the Bank is open will go out the same day, and transfers setup after 3:00 p.m. or on a non-business day will go out the next business day that we are open. For the purpose of external account transfers, business days are Monday through Friday, excluding holidays and days the Bank is closed. You agree this transfer service is for consumer purposes only between your account at Savings Institute Bank & Trust, Co and your account at the other Financial Institution with in the United States. You will be able to receive transfers (credits to your account) up to $5, per day or a maximum of $30, every 30 days whichever occurs first You will be able to send transfers (debit to your account) up to a maximum of $5, per day or up to the available balance in your account and a maximum of $15, every 30 days whichever occurs first When you request a fund transfer using this service, you authorize us to follow the transfer instructions and transfer the funds from the designated originating account to the designated recipient account. We may refuse to act on your fund transfer instruction if there are not sufficient available funds in your account, including funds available under any linked overdraft plan, on the Transaction Date. Funds transferred to the designated recipient account will be deemed deposited on the Transaction Date and will be available thereafter in accordance with our Funds Availability Disclosure. In order to use the external account transfer (ACH) functionality you must agree to the following NACHA Rules: Subsection 2.4.1, the Entry is authorized by the Originator and Receiver a) The Entry has been properly authorized by the Originator and the Receiver in accordance with the Rules. b) The Originator s authorization has not been revoked, the Origination Agreements concerning the Entry have not been terminated, and neither the ODFI, any Third- Party Sender, nor the Originator has actual knowledge of the revocation of the Receiver s authorization or of the termination of the agreement between the RDFI and the Receiver concerning the Entry. c) At the time the Entry is processed by an RDFI, the authorization for that Entry has not been terminated, in whole or in part, by operation of law. This Subsection 2.4.1(c) shall not apply if the RDFI has actual knowledge of the circumstances giving rise to such termination at the time it processes the Entry and the ODFI does not have such actual knowledge. Subsection , the Entry Complies with the Rules a) The entry complies with these Rules, including the use of the proper Standard Entry Class Code Types of transfers available for External Account Transfers: transfer funds from checking to checking transfer funds from checking to statement savings transfer funds from checking to Holiday club transfer funds from statement savings to checking transfer funds from statement savings to statement savings 4

5 transfer funds from statement savings to Holiday club g. sent by you will not be immediately received by us. See Section 9 if you need to contact us immediately (for example, to report an unauthorized transaction from an account). No action will be made on your electronic mail request until we actually receive your message and have a reasonable opportunity to act. If you wish to contact us electronically, please use the electronic form provided on our Online Banking Services Web pages. sent within the Online Banking Services is not sent through an Internet system. It is transmitted through a secure, private network. By contrast, transactions through general or public are not secure. We therefore request that you do not send us or ask for sensitive information such as account numbers, User IDs, or passwords through any general or public system. You cannot use to transfer funds between accounts or to conduct transactions. You must follow the instructions for the Savings Institute Bank & Trust Co Online Banking Services to accomplish these activities. h. For security reasons, we may limit the frequency and dollar amount of transactions from your Account. i. After we receive your authorization for payment to any payee, the payment amount will be debited from your Account on the day the payment is scheduled to be made. The payment will then be made either by transferring funds electronically to the payee or by sending a check to the payee. By authorizing a payment, you authorize us to debit your Account for the payment amount. We may honor Savings Institute Bank & Trust Co Online Banking Services payment requests, checks, electronic payments, withdrawal tickets or instruments drawn on your Account in any order which we decide. You must have enough available funds (as described in our Funds Availability Policy) in your Account to complete the payment and should be aware that other transactions (such as ATM, Point of Sale or inbranch withdrawals) may affect your Account balances. j. Your bill payment instructions should be received at least five (5) business days before the business day on which a payment is due, except that instructions for payments to payees who may be paid within two (2) days (as indicated on your Computer) should be entered and transmitted at least two (2) business days before the business day on which a payment is due. In order for a payment instruction to be considered received on a specified date, it must be received prior to midnight (Eastern Standard Time). Payment instructions received on weekends or holidays will be considered received on the next business day. We are not responsible for delays in delivery of payments caused by the U.S. Postal Service, so you must authorize your bill payment in such a manner that your payments will be made on time. Any late payment or finance charges that may be imposed as a result of your failure to transmit payment instructions at least two (2) or five (5) business days, as applicable, before a payment is to be made will be your responsibility. Our responsibility for any late payment or finance charges is limited by Section 10. k. Only payees with United States addresses may be paid using the Savings Institute Bank & Trust Co Online Banking Services. We reserve the right to refuse to pay certain payees. l. The Savings Institute Bank & Trust Co Online Banking Services may be used to authorize automatic recurring payments of recurring bills. These payments must be for the same amount each month and they will be paid on the same calendar day of each month, or on the preceding business day if the regular payment day falls on a weekend or holiday. m. When you have entered and transmitted a payment instruction, you authorize us to reduce the Account accordingly. If the available balance in the Account (including any Insti-Reserve Line of Credit) is not sufficient to make payments you have authorized, we cannot make the payment. You are responsible for any nonsufficient funds and overdraft charges we may impose, as stated in our Deposit Account Contract. We reserve the right to refuse to honor payment requests that reasonably appear to us to be fraudulent or erroneous. n. The following steps may be taken to void or stop bill payments: i. Voiding Payments. If you have transmitted a request to make a future or recurring payment, you may use the Savings Institute Bank & Trust Co Online Banking Services to void the payment (if, for example, a payment 5

6 date or a payment amount is incorrect) if the voiding request is transmitted by midnight of the business day before the business day on which you have scheduled the payment to be made. The day the payment is scheduled to be made is the date the payment will be sent (2 or 5 days, as applicable, before the payment is due), not the payment due date. You will be responsible for the payment if your voiding request is not received by midnight of the day before the business day on which the payment is scheduled to be made and you fail to stop the payment. ii. Stopping Regular and Automatic Recurring Payments. If you do not have access to your computer and you wish to stop payment, call or write to us at the phone number or address set forth in Section 9 in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we will also require you to put your request in writing and get it to us within 14 calendar days after you call. We will charge your account our regular fee for each stop payment order you give. iii. Liability for Failure to Stop Payment of Automatic Recurring Payments. If you order us to stop one of your automatic recurring payments or future payments three (3) business days or more before the transfer is scheduled to be made, and we do not do so, we will be liable for your losses or damages. We are not responsible for any indirect, incidental, special or consequential damages if our failure was not intentional and resulted from a bona fide error, notwithstanding our procedures to avoid such error. o. We may modify the Savings Institute Bank & Trust Co Online Banking Services from time to time in accordance with applicable law. Additional services or accounts may become accessible through the Savings Institute Bank & Trust Co Online Banking Services in the future. As each becomes available you will be provided with a description of each such service or account and fees and will be given the opportunity to access each through the Savings Institute Bank & Trust Co Online Banking Services. Your use of these new services or accounts shall mean that you agree to any additional terms and conditions as well as payment of fees. Also, we reserve the right to delete or modify any services or accounts from the Savings Institute Bank & Trust Co Online Banking Services. p. You may use our stop payment feature to initiate a stop payment request on a check you have written on your account. We will not honor a stop payment order sent through general . A stop payment order provided through Online Banking is deemed to be a written stop payment order and is good for 6 months; but you may renew it in writing or by a subsequent stop payment order sent through Online Banking before the previous stop payment order has expired. The stop payment order must include the check number, date, amount and name of the payee of the check you want us to stop so that we can identify the check with reasonable certainty. We will have no liability for failing to act on a stop payment order if the stop payment order does not describe the check with reasonable certainty, or if we do not have a reasonable opportunity to honor the stop payment order, even if the failure to stop payment causes other checks to be returned for insufficient funds. Prior to sending a stop payment order, you agree to first verify that the check has not already been posted to your account. A stop payment order you send through Online Banking may not be immediately received by us. We will make reasonable efforts to act on a stop payment order on the Business Day that you send the stop payment order through Online Banking if it is received by 4:00 p.m. To ensure that a stop payment order or notice is received immediately, you should telephone our Customer Service Center at (860) We will make every effort to stop this payment; however we cannot guarantee it will be stopped if the check is paid before the end of the next business day. All Stop orders are contingent upon our being provided with the account number, correct dollar amount, number of check and payee. You will be assessed the standard fee for placing a stop payment request. Please refer to our fee schedule for more information. 6

7 To stop payment on a transaction made through our bill payment feature, please contact us at or toll free at Any External items (ACH) where the item has been paid, additional paperwork is required and must be completed and received immediately. Stop Payment Reasons: Cancelled Item, Direct Debit Cancelled, Direct Debit Not Authorized, Disputed, Duplicate Payment, Lost Item, Other Reason, Photocopy Paid, Refer to Maker, Stolen Item, Unsatisfactory Service 5. Description of the Savings Institute Bank & Trust s Mobile Banking App. The Mobile Banking ios and Android Apps will allow you to conduct virtually the same transactions as listed in Section 4 Description of the Savings Institute Bank & Trust Co Online Banking Services of this Agreement. We may periodically require you to upgrade or download the most current App available to your mobile device. 6. User ID and Password. You will be using the Internet to access the Savings Institute Bank & Trust Co Online Banking Services. You will select a User ID and password when you register online for the Savings Institute Bank & Trust Co Online Banking Services. You agree to keep the User ID and password confidential to prevent unauthorized access to your Accounts and to prevent unauthorized use of the Savings Institute Bank & Trust Co Online Banking Services. Your User ID and password may be revoked or canceled at any time without giving you prior notice to assist us in maintaining the security of your Accounts. The User ID and password are used to identify you as an authorized user of the Savings Institute Bank & Trust Co Online Banking Services. You agree not to reveal your User ID or password to any person not authorized by you to use the Savings Institute Bank & Trust Co Online Banking Services. The security of your Accounts depends upon you maintaining the secrecy of your User ID and password. You agree that you will retain your User ID and password in a secure location and separate from your Computer. We recommend that you change your password often using the procedures in the instructions we will provide you, and that you secure your equipment used to access the Savings Institute Bank & Trust Co Online Banking Services. You agree that if you forget your password or User ID or believe the secrecy of your password or User ID has been compromised, you will call us AT ONCE at the number in Section Single User ID. Your Online Banking Service s User ID and password is for use by a single Accountholder. Joint accountholders should obtain their own user ID and passwords if they wish to access accounts and maintain personal contact information. 8. Periodic Statements. Your periodic statements for your Accounts will include any transfers or bill payments you authorize using the Savings Institute Bank & Trust Co Online Banking Services, as well as your other account activity. You agree that we may send you your periodic statements and other disclosures relating to the Savings Institute Bank & Trust Co Online Banking Services or your Accounts electronically through the Savings Institute Bank & Trust Co Online Banking Services. 9. Business Days and Hours of Operation. For the purposes of this Agreement, our business days include every day other than Saturday, Sunday or one of the federal holidays. The Savings Institute Bank & Trust Co Online Banking Services can only make transfers and bill payments on business days although you may use your Computer to use the Savings Institute Bank & Trust Co Online Banking Services 24 hours a day, seven days a week, except during any special maintenance periods. 10. Your Liability. You are responsible for all transfers and bill payments you authorize using the Savings Institute Bank & Trust Co Online Banking Services. If you permit other persons to use the Savings Institute Bank & Trust Co Online Banking Services or your User ID or password, you are responsible for any transactions they authorize from your Accounts. Tell us AT ONCE if you believe your User ID or password has been lost or stolen. Telephoning, as provided in Section 9, is the best way of keeping your possible losses down. You could lose all the money in your deposit accounts (plus your maximum Insti- 7

8 Reserve line of credit). If you tell us within two (2) business days, you can lose no more than $50 from each deposit account if someone used your User ID and password to access your deposit account without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your User ID or password, and we can prove we could have stopped someone from using your User ID or password without your permission if you had told us, you could lose as much as $500 from each deposit account. Also, if your statement shows transfers from a deposit Account that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. With regard to Insti-Reserve Credit Accounts, refer to your Insti-Reserve Agreement for any applicable limitations on your liability in connection with unauthorized use of your accounts. 11. Contact in Event of Lost or Stolen User ID or Password. If you believe that your User ID or Password has been lost or stolen or that someone transferred or may transfer money from your account without your permission, call us IMMEDIATELY at: or (860) Our Liability. We will be responsible for your actual losses if they were directly caused by our failure to complete a transfer to or from your Accounts on time or in the correct amount according to our agreements with you. However, there are some exceptions. We will not be liable, for instance: a. If, through no fault of ours, you do not have enough money in your Account to complete a transaction from that Account, or if withdrawals from any of your Accounts have been prohibited by a court order such as a garnishment or other legal process, or if that account has been closed. b. If the transfer or bill payment would go over the credit limit on your Insti-Reserve line of credit. c. If you do not have an adequate credit limit in an Insti-Reserve Account to complete a transaction from that Account, or if that Account has been closed. d. If you have not properly followed the Savings Institute Bank & Trust Co Online Banking Services instructions on how to make a transfer or bill payment or if your Computer or other equipment necessary to use the Savings Institute Bank & Trust Co Online Banking Services fails or malfunctions. e. If you have not given us complete, correct and current instructions so that we can make a transfer or bill payment. f. If you do not authorize a bill payment soon enough for your payment to be made and properly credited by the payee by the time it is due. g. If we make a timely bill payment but the payee nevertheless does not credit your payment promptly after receipt. h. If we have reason to believe that a transaction has not been properly authenticated or is fraudulent. i. If the Savings Institute Bank & Trust Co Online Banking Services was not working properly and you knew or should have known about the breakdown when you attempted to authorize a transfer or bill payment. j. If circumstances beyond our control prevent the making of a transfer or payment, despite reasonable precautions that we have taken. Such circumstances include delays or losses of payments caused by the U.S. Postal Service, equipment failure or breakdown, acts of God or other conditions beyond our control. We will be responsible for acting only on those instructions sent through the Savings Institute Bank & Trust Co Online Banking Services which we actually receive. 8

9 k. For other exceptions to our liability as stated in the Electronic Fund Transfer Agreement. l. For any indirect, incidental, special or consequential damages if our failure was not intentional and resulted from a bona fide error, notwithstanding our procedures to avoid such error. 13. Error Resolution. In case of errors or questions about your Savings Institute Bank & Trust Co Online Banking Services transactions, contact us immediately. Telephone us at: (800) or (860) Or write us at: Savings Institute Bank & Trust Co 803 Main Street Willimantic, CT Attention: Electronic Banking Department For Insti-Reserve Account Transactions: Write or telephone us at the address set forth in your Insti-Reserve Agreement or periodic statement. For Insti-Reserve Account transactions, if you telephone us instead of writing, you may lose certain rights the law gives you to dispute billing errors. If you think your statement is wrong or if you need more information about a transaction listed on the statement, we must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. You must: Tell us your name and account number(s). Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the date and dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. a. Deposit Accounts. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question, for most types of errors. (For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complain or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.) If we decide to take this extra time to investigate, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your deposit Account. We will tell you the result within three (3) business days after completing our investigation. If we decide there was no error; we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. b. Insti-Reserve Accounts. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your Insti-Reserve Account bill that are not in question. While we investigate your question, we cannot report the amount in question as delinquent or take any action to collect the amount you question. c. Changes to Account. If you change your address, your name, or the ownership of your account, telephone us immediately at (800) or write to us at the Savings Institute Bank & Trust Co, at the address in this Section 11. If you contact us by telephone, we may require you to confirm any new address in writing. We 9

10 will require you to provide identification and execute a new signature card for any change in name or account ownership. You agree that by accessing the Online Banking System with your unique User ID and password we may consider any requests submitted through your Online Banking System the same as if you had signed an authorization. This includes add account requests. 14. Charges for the Savings Institute Bank & Trust Co Online Banking Services. A schedule of charges for use of the Savings Institute Bank & Trust Co Online Banking Services has been provided to you, which schedule may be amended from time to time to change or add fees. You authorize us to deduct all applicable Online Banking Services fees from any Account you have with us. In addition to the schedule of charges, the service charges and fees provided for the Deposit Account and Insti-Reserve Agreements will continue to apply. 15. Disclosure of Account Information to Others. We will disclose information to third parties about you, your Accounts or the transfers you make under the following circumstances: a. We have entered into an agreement to have another party assisting us in providing the Savings Institute Bank & Trust Co Online Banking Services. In order to carry out your instructions we will provide this party with, or it will receive from you, information about your designated Accounts, your Savings Institute Bank & Trust Co Online Banking Services transactions and your electronic mail messages; b. Where it is necessary for completing transfers and bill payments; c. In order to verify the existence and condition of your Accounts for a third party, such as a payee or holder of a check issued by the Savings Institute Bank & Trust Co Online Banking Services or a credit bureau; d. In order to report our experience regarding your Accounts or the Savings Institute Bank & Trust Co Online Banking Services transactions to financial institutions and credit reporting agencies; e. To collect any debt that you may owe to us; f. We may collect customer Account data for the purpose of learning about aggregate customer usage patterns, customer telephone inquiries, and the effectiveness of the Savings Institute Bank & Trust Co Online Banking Services, but shall not disclose individual identifiable information except as provided in this Section; g. In order to comply with laws, government agency rules or orders, court orders, subpoenas or other legal processes in order to give information to any government agency or official having legal authority to request such information; h. If you give us your written permission; or i. As provided in our Electronic Fund Transfer Agreement. 16. Data Recording. The information and electronic mail messages you enter on the Savings Institute Bank & Trust Co Online Banking Services may be recorded. By using the Savings Institute Bank & Trust Co Online Banking Services, you consent to such recording. 17. Amendment of this Agreement. We may at any time (subject to legal restrictions) amend this Agreement. We will notify you of any amendment to this Agreement as required by law. The Savings Institute Bank & Trust Co Online Banking Services and your Accounts will be governed by the Agreement as amended. 18. Assignment. We may assign our rights and delegate our duties under this Agreement to any other party. 19. Termination. This Agreement and your ability to use any or all of the Savings Institute Bank & Trust Co Online Banking Services may be terminated at any time by us or you upon giving notice of the termination to the other party. If you terminate the Savings Institute Bank & Trust Co Online Banking Services, you authorize us to continue making transfers and bill payments you have previously authorized until such time as we have had a reasonable opportunity to act upon your termination notice. Once we have acted upon your termination notice, we will make no further transfers or payments from your Accounts, including any transfer or payments you have previously authorized. If we terminate your use of the Savings Institute Bank & Trust Co Online Banking Services, we reserve the right 10

11 to make no further transfers or payments from your Accounts, including any transactions you have previously authorized. 20. Severability. If any provision of this Agreement is held invalid, illegal, void or unenforceable by any rule or law, administrative order or judicial decision, all other provisions of the Agreement shall remain in full force. 21. Governing Law. This Agreement is governed by and shall be construed in accordance with the laws of the State of Connecticut and applicable federal law. 11

12 ELECTRONIC FUND TRANSFER AGREEMENT We, Us, our and Bank refer to the Savings Institute Bank and Trust Company. You and your apply to anyone who has an account with us and is authorized to use the applicable Electronic Fund Transfer ( EFT ) service. Account refers to any account at our bank from or to which we allow EFTs. Transfer means a transfer to or from your account, including, without limitation, deposits, transfers between accounts and withdrawals. ATM refers to any of our automated teller machines where you can use your Card and PIN. Card refers to the Savings Institute Bank & Trust Company ATM card. Check Card refers to the Savings Institute Bank and Trust Company Debit MasterCard Check Card. PIN refers, as applicable, to the Personal Identification Number you select and you agree to use to identify yourself when using a POS terminal or ATM. EASI Transfer PIN refers to the four digit number you select and agree to use to identify yourself when making a telephone transfer. The PIN and EASI Transfer PIN need not be the same. Checking Account refers to one of the following accounts which you have selected in your application for the EFT Service. NOW Accounts, Money Market or any of our Checking Accounts. Savings Account refers to Statement Savings or Money Market Savings Accounts. Available Funds means the money in your Accounts which can be withdrawn or transferred together with amounts in other accounts that may be available for transfer under our Overdraft Protection program and any credit you may have available to you under your lnsti-reserve Agreement. Available Funds may be less than the entire balance in your Account. For example, we delay the availability of deposits of cash or checks made at our ATMs. Point of Sale or POS terminal refers to an electronic terminal at which you can use your Check Card and PIN to pay for goods and services by debiting a Checking Account. A POS transaction includes a transaction in which you use your card and/or PIN to pay for goods and services by debiting an account, whether or not an electronic terminal is used at the time of the transaction. I. WHAT IS AN EFT? An EFT is a transfer of your funds at our Bank which is initiated electronically, for example, by telephone or computer or ATM. We currently offer the following EFT services: (a) Direct Deposit. You can arrange for the direct deposit to your Account of Social Security benefits or other deposits, such as payroll, that we allow to be deposited directly to your Account. (b) Telephone Transfer. You can use certain personal information and/or your EASI Transfer PIN to transfer funds by telephone between certain Accounts or to make certain payments to us. Transfers between Accounts can be made through our touchtone system. Any transfer called in after 6:00 p.m. EST may result in a delay until the next business day. (c) Preauthorized Payments. You can arrange to have payments or transfers (that we allow) made from certain Accounts automatically. An example of such EFTs are payments made through the computer for insurance premiums or transfers to another account you have with us to cover overdrafts. Limitations on preauthorized transfers are described in your Deposit Account Contract. (d) Services Available Through Our ATMs: You may use your Card and Check Card and PIN to do the following through our ATMs: (1) You can withdraw Available Funds from your Checking and your Statement Savings Accounts. (2) You can make deposits to your Checking and your Statement Savings Accounts. (3) You can transfer Available Funds between your Checking and your Statement Savings Accounts. (4) If you have Overdraft Protection, we will transfer funds from another checking or savings account you have with us to cover overdrafts in your checking account. (5) If you have lnsti-reserve, you can, by overdrawing your Checking Account, obtain a loan advance from the credit available under the Insti-Reserve Agreement. (e) Other Services Available with your Check Card and PIN. You can pay for purchases by accessing your Checking Account, through a POS terminal at merchants that have agreed to accept the Check Card and PIN. At the time of the purchase you may also be able to withdraw cash, subject to cash availability. (f) Online Banking. Online Banking is governed by a separate agreement. To the extent that there may be conflicts between the Online Banking Agreement and this Agreement, the Online Banking Agreement will apply. 12

13 (g) Electronic Check Conversion. You may authorize a merchant or other business to use your checks, or information from your checks, to create one time electronic payments from your Accounts. (h) Bill Payments through Biller s Website. You can through the website of a participating biller, access your Account to make a payment to that biller, by providing account information, such as information from your Check Card. There may be limits on the dollar amount you can pay in this way. (i) Account to Account Payments. You can, at ATMs of participating financial institutions, or using other methods allowed by the participating financial institution, transfer funds from your Account to another of your accounts, by providing certain requested account information, such as information from your Card or Check Card. There may be limits on the dollar amount you can transfer in this way. (j) Limitation on Availability of Services. Some of these services may not be available at all ATMs or POS terminals. We are a member of several ATM networks and all of the transactions described in (d) through (i) above may not be available at all ATMs or POS locations where you can use your Card or Check Card and different limitations on withdrawals, deposits and other transfers may apply. Certain merchants may accept only the Check Card for POS transactions that are not processed electronically. II. AGREEMENT. By signing an application or by using your Card or Check Card or by using an EFT, you agree to the rules in this Agreement for the type of EFT service that you use. You also agree that you will not use your Card or Check Card, PIN or any EFT Service to conduct any illegal transaction or to pay for an illegal purchase. You understand that we may cancel your ability to conduct EFTs if we have reason to believe that you have used your Card or Check Card, PIN or any EFT Service for any illegal activity. Ill. LIMITATION. We may limit the type and form of Account to or from which we will allow EFTs. (a) ATM Transactions. You may withdraw from ATMs no more than $ in cash per calendar day per Card or Check Card. You may pay for purchases and make withdrawals totaling up to $ per calendar day per Check Card at POS terminals. (b) Check Card Purchases. In addition to the $ ATM withdrawal limit from your Card or Check Card per calendar day, if your card is a Check Card you can use your Check Card to make purchases up to a maximum limit of $2, per Card per day. You cannot use your Check Card for a MasterCard merchant transaction if the amount of the transaction would exceed your daily authorization limit. Each time you use your Check Card at a MasterCard merchant, this daily authorization limit is reduced by the amount authorized for the transaction. When you make a MasterCard Check Card purchase, you authorize us to put a hold against the available balance of your Account for the total dollar amount of the authorization. The hold will be maintained for a maximum period of four (4) business days. For example, a $ MasterCard Merchant Purchase will reduce your available account balance by $ for a maximum period of 4 business days. This period will be shorter if the purchase amount is automatically debited from your Account prior to the end of the 4 business day hold. If a purchase is completed after 6:00 p.m. EST, the first day of the hold will be the next business day. When the transaction has cleared, the funds on which we have placed a hold will be debited from your Account. The dollar amount of the hold is based on the amount of the authorization requested. For some merchants, the amount of the authorization requested may be more than the amount of the purchase. For example, if you use your MasterCard Check Card to make a $12.50 gasoline purchase at a gas station, the station may request a $ authorization. You agree that we are not responsible if we dishonor other POS, ATM, check or any other transactions drawn on your Account based on a MasterCard Check Card purchase. (c) International Check Card Transactions. If you effect a transaction with your Check Card in a currency other than U.S. dollars, MasterCard International Incorporated will convert the charge into a U.S. dollar amount. MasterCard International will use its currency conversion procedure, which is disclosed to institutions that issue MasterCard Check Cards. Currently the currency conversion rate used by MasterCard International to determine the transaction amount in U.S. dollars for such transactions is generally either a government mandated rate or a wholesale rate determined by MasterCard International for the processing cycle in which the transaction is processed, increased by an adjustment factor established from time to time by MasterCard International. The currency conversion rate used by MasterCard International on the processing date may differ from the rate that would have been used by MasterCard International on the purchase date of the cardholder statement posting date. For security reasons, there are other limits on the number of transfers you can make using our ATMs. During a malfunction of our ATMs, our computer system or the ATM system, we may limit the dollar amount and types of EFTs you can make including the types of Accounts you can access at our ATMs. Other limitations: Transfers from Savings or Money Market Accounts to another account or to a third party by preauthorized, automatic, telephone, or computer transfer are limited by law to six transfers per statement cycle. 13

14 If on a particular day, the amount of Available Funds in your Accounts totals less than the amount stated in this section, you may not withdraw more than the total Available Funds in your Account on that day. IV. DOCUMENTATION AND TELEPHONE INQUIRY. (a) Periodic Statements. You will get a monthly Account Statement. (b) Preauthorized Deposits. You can arrange to have direct deposits made to your Account (at least once every 60 days) from the same person or entity, including the Federal Government. If you do, you can call us at , or EASI Banker at to find out whether or not the deposit has been made. (c) ATM, MasterCard Check Card or POS Record. You can get a written record at the time you make a transaction through an ATM or POS terminal or when you conduct a MasterCard Check Card purchase. This record will show certain information such as the amount of your transaction, the type of transaction, and the date of the transaction. Some ATMs may notify you that receipts are unavailable and may allow transactions without providing a receipt. If you use one of these ATMs, you waive your right to a written record of the transaction. V. PREAUTHORIZED TRANSFERS FROM YOUR ACCOUNT. (a) Stop Payment. If you have told us in advance to make regular payments out of your Account, you can stop any of these payments. Here s how: Call us at or , or write us at Savings Institute Bank and Trust Company, 803 Main Street, P.O. Box 95, Willimantic, Connecticut 06226, Attention: Customer Service Center in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get that to us within 14 days after your call. If we require you to put your request in writing and send it to us within 14 days and you do not do so, then your oral stop payment order will cease 14 days after it has been made and we may make the payment if it is demanded by the particular person or organization involved. NOTE: If you want to stop these preauthorized payments permanently, you must notify the person or organization you have told us to pay. A stop order which you gave to us will only stop the particular payment to which it applies. If you instruct us to stop these payments permanently we will do so, but we may require you to send us a copy of your notice to the person or organization you told us to pay. (b) Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled and you comply with a request by us to put your request in writing (as explained above), and we do not do so, we will be liable for certain types of losses or damages which you suffer. (c) Notice of Varying Amounts. If these regular payments vary in amount, the person you are going to pay will tell you 10 days before each payment when it will be made and how much it will be. (You may ask in some cases the person you are going to pay to give you this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set.) We will not be liable if the person or organization you are paying fails to give you notice of varying amounts. (d) Stop EFT. Unless otherwise stated in this Agreement, you cannot stop an EFT, other than a preauthorized transfer. VI. CHARGES. Charges for EFTs are disclosed in the Schedule of Charges. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used. (And you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.) VII. OUR LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your Account in a timely manner in accordance with the terms and conditions of your Account and normal banking procedures or in the correct amount according to your instructions, we will be liable for losses or damages which you suffer. However, there are some exceptions. We will not be liable in the following instances: (a) We will not be liable if, through no fault of ours, you do not have enough Available Funds in your Account to make the transfer. (b) We will not be liable if the Account has a hold on it for the amount of all or part of the funds necessary to make the transfer. (c) We will not be liable if the transfer would go over the credit limit on your Insti-Reserve. (d) We will not be liable if the ATM, POS terminal or system was not working properly and you knew about the breakdown when you started the transfer. (e) We will not be liable if you do not give us your correct Card, Check Card, PIN or, where applicable, EASI Transfer PIN, correct Account numbers and correct Account name when starting the transfer. (f) We will not be liable if we request and do not receive written confirmation of your telephonic instructions. 14

15 (g) We will not be liable if circumstances beyond our control prevent the transfer despite reasonable precautions that we have taken. (h) We will not be liable if we do not receive proper instructions or notification for the use of the Account for EFTs or proper instructions for the particular transfer. (i) We will not be liable if the POS terminal or ATM where you are making a withdrawal does not have enough cash. (j) We will not be liable if the funds in your Account are subject to legal process or other encumbrance restricting such transfer. (k) We will not be liable if your Card or Check Card has deteriorated or been damaged so that it does not function properly. (l) We will not be liable if your Card, Check Card, PIN or EASI Transfer PIN has been reported lost or stolen. (m) We will not be liable if you do not follow the procedures in this or any other agreement you have with us. (n) We will not be liable if we did not complete the transaction because we reasonably suspected fraud or illegal activity. (o) There may be other reasons under Federal or State law why we will not be liable. VIII. IF YOUR CARD, CHECK CARD OR PIN IS LOST OR STOLEN. If you believe your Card, Check Card, PIN and/or EASI Transfer PIN has been lost or stolen or that someone has transferred or withdrawn or may transfer or withdraw money from your Account without your permission, call us at , or write us at: Savings Institute Bank and Trust Company 803 Main Street P.O. Box 95 Willimantic, CT Attention: Electronic Banking Department To report a lost Card or Check Card, call the Bank at (860) or Normally, if you report your Check Card lost, we will deactivate the card and issue you a new one. However, if you have lost your Check Card and you believe there is no risk of unauthorized use, you may choose instead to temporarily deactivate your Check Card. You should not use this feature if you think your Check Card has been stolen. Instead, you should follow the procedures in Section XII of this Agreement. You may use the deactivation feature for other reasons, too (for instance, if you think you won t use your card for an extended period of time). You can deactivate your Check Card temporarily only if you are signed up for Online Banking. To deactivate your card log on to Online Banking and use the deactivation feature on the Debit/ATM Card Manager page. When you are ready to reactivate your Check Card you must do so through Online Banking. If you use the deactivation feature described in this Section VIII when you think your Check Card has been lost, we will consider your deactivation of your Check Card as notice to us that your Card or Check Card has been lost for purposes of Section XII (although if you first call or write us to tell us that your card was lost, we will consider that to be your notice). Deactivation of one Check Card linked to your account will not deactivate other Check Cards linked to the same account. IX. BUSINESS DAYS. Our business days are Monday through Friday, holidays are not included. Transfers started after 3:00 p.m. or on a holiday will be considered as having been started on the following business day. X. ACCOUNT INFORMATION DISCLOSURE. We will disclose information to third parties about your Account or the transfers you make in the following instances: (a) We will disclose information where it is necessary for completing transactions or collecting checks. (b) We will disclose information as allowed by law in order to verify the existence and condition of your Account for a third party, such as a credit bureau. (c) We may tell a holder of one of your checks whether it would be paid if presented at the time of the request. (d) We will disclose information in order to comply with law, court orders or proper governmental requests, such as subpoenas, tax information, bank examinations and reports of unusual cash transactions. (e) We will disclose information if you give us your written permission. (f) We will disclose information to governmental officials in connection with suspected violations of criminal law. (g) We will disclose information to our agents, auditors and collection attorneys. (h) We will disclose information relating to the Account which does not identify you or your Account, (i) We will disclose information to third parties if you owe us money and we must take legal action to get it. (j) We may disclose information on your Account which is allowed to be disclosed under the state and federal privacy laws. 15

16 XI. SAFEGUARDING YOUR CARD, CHECK CARD AND PIN. You agree to protect your Card, Check Card and PIN. You should not keep your Card, Check Card and PIN in the same place. The best practice is to memorize your PIN and do not tell your PIN to anyone. XII. YOUR LIABILITY. (a) General. Tell us AT ONCE if you believe your Card, Check Card, PIN or EASI Transfer PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all your Available Funds including the maximum limit on your Insti-Reserve. If you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card, Check Card, PIN or EASI Transfer PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or the theft of your Card, Check Card, PIN or EASI Transfer PIN, and we can prove we could have stopped someone from using your Card, Check Card PIN or EASI Transfer PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. (b) Special Rule for MasterCard Check Cards. You will have no liability for any Check Card transaction you did not authorize if the following conditions are met: You have exercised reasonable care in safeguarding your Check Card from risk of loss or theft; and You reported the loss or theft of your Check Card to us promptly; and You are an individual customer (i.e. a natural person) or your Check Card was issued under a MasterCard Small Business card program (as defined by MasterCard). If all of these conditions are not met, your liability for unauthorized Check Card transactions will be determined by the other provisions of subsection (a) of this Section XII. ( (c) If you use the Check Card deactivation feature described in Section VIII when you think your Check Card has been lost, we will consider your deactivation of your Check Card as notice to us that your Check Card has been lost for purposes of this Section XII. If you also call or write us to report your Card or Check Card lost, we will consider the first action you take (deactivating your card, writing to us, or calling us) to be your notice of the loss of your Card or Check Card for purposes of this Section XII. XIII. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. If you think your statement or receipt is wrong or it you need more information about a transfer listed on the statement or receipt, telephone us or write us as soon as you can. Our phone number for this purpose is: or Our address for this purpose is: Savings Institute Bank and Trust Company 803 Main Street P.O. Box 95 Willimantic, CT Attention: Customer Service Center We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. (1) Tell us your name and account number, (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question, for most types of errors. If we decide to take this extra time to investigate, we will credit your Account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your Account. 16

17 For errors involving new accounts, POS, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. XIV. SURRENDER OF CARD OR CHECK CARD. The Card and Check Card belong to us. We can take it back at anytime. You agree to surrender the Card or Check Card when we or our agents request it. Your Card or Check Card is not valid beyond the expiration date. XV. OUR RIGHTS WITH REGARD TO OVERPAYMENT. If funds have been deposited into your Accounts, to which you are not legally entitled, by mistake or otherwise, you agree that such amounts are debts owing from you to us and you authorize us summarily to withdraw such amounts from the Account or any other account you have with us. We can do this without giving you prior notice or demand. We can also exercise our right of set-off to recover any such amount. An example of such an overpayment to your Account to which you are not legally entitled would be a Social Security payment received by direct deposit after your death. XVI. ATTORNEY S FEES. If you bring a legal action against us or if we bring a legal action against you and the legal action involves EFTs or matters discussed in the Agreement, you agree to pay all of our attorney s fees if we win. XVII. OVERDRAFTS. Insti-Reserve and Overdraft Protection are governed by terms and conditions found in separate agreements and disclosures provided to you by the Bank. XVIII. NON-ENFORCEMENT OF OUR RIGHTS. We can choose not to enforce or to delay enforcing any of our rights under this Agreement without losing them in the future. XIX. AMENDMENTS. We can change these rules, including for example adding or increasing fees. We will give you notice of these changes as required by law. SAVINGS INSTITUTE BANK AND TRUST COMANY 803 MAIN STREET P.O. BOX 95 WILLIMANTIC, CT

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