SALEM FIVE ONLINE BANKING AGREEMENT

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1 SALEM FIVE ONLINE BANKING AGREEMENT What This Agreement Covers This agreement (the Agreement ) between you and Salem Five Cents Savings Bank ( we, our, us, or Salem Five ) governs your use of Salem Five s Online Banking Services (the Services ). By registering for, and using the Services, you consent to the terms of the Agreement and any amendments that are made from time to time. The Services enable you to view your statements, account balances and recent transactions, pay bills and perform banking transactions, and communicate with us via a personal computer. The Services include Salem Five Online Banking, for both consumers and businesses, and Salem Five Banking through Quicken software, available for consumer accounts. The Services are provided by Fidelity Information Services, Inc. (FIS), on behalf of Salem Five. If you are a consumer, this Agreement supplements the Consumer Banking Services Agreement, which governs consumer deposit account(s), including the Electronic Funds Transfer Disclosure. If you represent a business or other entity, including a sole proprietorship, this Agreement supplements the Business Banking Services Agreement, which governs deposit accounts held by non-consumer entities. All users of the Services further agree to be bound by and comply with our by-laws and rules and applicable state and federal laws and regulations. Please familiarize yourself with the terms of this Agreement. If you have any questions, please allow one of our customer service representatives to answer it for you. Equipment Requirements To access Salem Five Online Banking and your statements in electronic format ( Online Statements ), you must have an Internet access device such as a PC or Apple computer and browser software that supports 128-bit encryption. We recommend that you use one of the latest commercially available browser versions to optimize Online Banking performance. Our recommended browser and system requirements can be found at: You will also need Adobe Reader software in order to read your Online Statements. You may download the latest version of Adobe Reader for free at To retain a printed copy of your Online Statements, you will also need a printer attached to your computer that is capable of printing from your Internet web browser. For mobile access to the Services, you will need a web-enabled cellular telephone or smartphone (a mobile device ). Salem Five Banking through Quicken software is not available via a mobile device. 1

2 You are responsible for the set-up and maintenance of your computer and equipment. System requirements are posted at: We will notify you of any change to software or hardware requirements needed to access Online Banking or your Online Statement. It is your responsibility to install and periodically update virus protection software on your computer and to routinely scan your computer using an up-to-date virus protection product.. Customer Service Information For questions or assistance with Online Banking, including mobile access to your account or Online Statements, contact our Contact Center toll free at (800) , Monday through Friday 8:00 a.m. 6:00 p.m., Saturday 9:00 a.m. 3:00 p.m. and Sunday, 11:00 a.m. 3:00 p.m., Eastern Time. You may also write to us at 210 Essex Street, Salem, MA 01970, or you may send us general questions by at: or a secure through the Online Banking Customer Service link. For security reasons, we recommend that you only send confidential information through the Online Banking Message Center. Your communication by mail or will not be effective until we receive it and have had a reasonable opportunity to act on it. Salem Five s Contact Center is closed on federal bank holidays. Accessing the Services Within Salem Five Online Banking, you may select one of the following levels of access: 1. Account View, allowing you to view your current balance and recent transactions in any of your accounts that you select; 2. Account View and Transfer, allowing you to view your current balance and recent transactions, open additional deposit accounts, make transfers between your Salem Five accounts, as selected, perform self-service activities such as stopping payment on checks, and, if you have a consumer account, originate inbound and outbound transfers to or from your account at an institution outside of Salem Five; 3. Account View and Transfer with Bill Payment, allowing you to view your current balance and recent transactions, open additional deposit accounts, make transfers between your accounts, perform self-service activities such as stopping payment on checks, and pay merchants and others. This level of access also provides you the option of electronic bill presentment. If you have a consumer account, you may also originate inbound and outbound transfers to or from your account at an institution outside of Salem Five. With Salem Five Banking Through Quicken, you may view your current balance and recent transactions, make transfers between your accounts, and pay merchants and other third parties. 2

3 If you choose Account View and Transfer With Bill Payment or Salem Five Banking Through Quicken, you select the Salem Five checking account or accounts you wish to use for bill payment (your Funding Accounts ), and you authorize us to deduct your payments from your Funding Accounts even if they create an overdraft. You may not select a savings account or money market account for third party payments via the Services. Payment Restrictions You may not use the Services to transmit child support, alimony or other court-directed payments, nor to pay taxes or make other payments to government agencies. You are prohibited from using the Services to make payments to, or process payments for, illegal Internet gambling sites. You may only make payments to payees with U.S. addresses. You may not make payments to Cash. Certain types of withdrawals from money market and savings accounts, including transfers and bill payments made via the Services, are limited by federal law to six in total per statement cycle. Please consult your account disclosure for specific information. For security reasons, dollar limitations apply to Bill Payments and transfers to or from accounts outside of Salem Five, as more fully described below and on the Salem Five Online Banking web pages. Transfers and Bill Payments 1. Transfers Within Salem Five If you have Account View and Transfer, Account View and Transfer with Bill Payment, or Salem Five Online Banking Through Quicken, you may initiate a single or recurring transfer to or from your selected Salem Five accounts ( Internal Transfers ). To ensure immediate posting, single Internal Transfers should be made before 11:00 p.m. Eastern Time, Monday through Friday and before 8:30 p.m. Eastern Time on Saturday. Single Internal Transfers made after these cutoff times will be posted on the next business day. Recurring transfers are posted on the date you schedule them to occur. 2. Bill Payments If you have Account View and Transfer with Bill Payment or Salem Five Online Banking Through Quicken, you may make a single or recurring payment to any Payee that agrees to accept payments through the Services. However, if you are accessing Salem Five Online Banking via a mobile device, you will not be able to set up a new Payee for Bill Payment or modify an existing Payee. 3

4 Payments are generally processed in one of two ways: electronically or by bank check. Subject to the terms and conditions of this Agreement, you authorize us and any third party acting on our behalf to choose the most effective method to process your payment, including without limitation, electronic, paper or some other means. Payments executed electronically through an automated clearing house are subject to the rules of the National Automated Clearing House Association (NACHA). For payments made by bank check, the check must be negotiated within ninety (90) days of its issue date or payment will be stopped and your Funding Account will be credited the amount of the payment. It is your responsibility to schedule your payments sufficiently in advance of the due dates. You should schedule your payment dates by 8:00 p.m. Eastern Time at least three (3) business days or six (6) business days in advance of the date the payment is actually due, depending on whether your payment will be sent electronically or by check. Each time you make a payment, the Services will transmit to you an advisory as to the method your payment will be sent. Loan payments made to Salem Five through Online Banking are processed electronically and may be credited on the same or next business day. The date the Payee credits the payment depends upon the Payee s payment processing procedures, and Salem Five will not be responsible for any delay in crediting the payment which is the result of the Payee s payment processing procedures or delays in delivery to the Payee caused by the U.S. Postal Service. It is your responsibility to maintain your current address within Online Banking. If you do not provide a current address, you will not receive certain disclosures and advisories related to Bill Payment. Limitations: For security reasons, bill payment transactions are limited to $20,000 per transaction and $20,000 in aggregate daily. The Services will transmit an advisory to you if you attempt a transaction exceeding that limit. Expedited Bill Payments: For an additional fee, you may pay your bills faster with Expedited Bill Payments, avoiding the need to schedule your payments days in advance, as described above. You may elect one of two methods: Expedited Electronic Payment or Expedited Payment by Overnight Check; however, not all payees accept payments by either or both methods. The Services will tell you if your payee will not accept payment by the method you choose. If you choose to pay your bill by Expedited Bill Payment, the following additional terms apply: A fee will be charged for the service, as disclosed in the then current applicable Fee Schedule. Because these payments are processed quickly, you cannot stop an Expedited Bill Payment you have already ordered to be processed. Expedited Electronic Payments are limited by the cut-off time established by the payee for accepting same day payments. Payee cut-off times vary by payee; Overnight Check payments must be ordered before 7:45 p.m. Eastern Time for overnight delivery. 4

5 Overnight Check payments can only be sent to payees with a valid street address within the continental United States. 3. Transfers Outside of Salem Five Transfers outside of Salem Five may be made by either External Transfer or People Pay Transfer. A. External Transfers If you have a consumer account and you have selected Account View and Transfer or Account View and Transfer with Bill Payment, you may originate the electronic transfer of funds into your account at Salem Five from an account in your name at a financial institution outside of Salem Five and you may originate the electronic transfer of funds from your account at Salem Five to an account in your name at a financial institution outside of Salem Five (both called External Transfers ). External Transfers are not available using Salem Five Online Banking through Quicken or when using a mobile device. When you originate External Transfers, you authorize Salem Five and our service provider to initiate debit and credit entries, upon your instructions, to your Salem Five account and your account at the financial institution(s) outside of Salem Five that you designate, using the Automated Clearing House (ACH) or other payment transfer method. You agree and warrant to us that you will only originate External Transfers to or from accounts for which you have the authority to transfer funds, and that by disclosing information to us regarding those accounts to affect your transfers, you are not violating any third party rights. Not all types of accounts may be eligible for External Transfers, so you should check with the institution for any restrictions on transfers. To ensure your security, before you add an outside account for External Transfers, originate a new External Transfer, edit an existing periodic External Transfer, or change your phone number through Online Banking, you may be required to authenticate who you are, using a method of authentication you select. Before you originate an External Transfer, you will be asked to complete a test transaction. If the test transaction fails or is rejected, for security purposes we may decline your External Transfer request(s) and any or all other transactions, and we may close your account, with or without notice to you. External Transfers may be originated on a single entry or recurring basis. One time transfers may be scheduled immediately or scheduled for a future date. To ensure same day processing, you must schedule your External Transfer by 7:00 p.m. Eastern Time. A recurring transfer allows you to transfer a set amount at regular intervals. Your authorization for any recurring External Transfers will remain in full force and effect until you revoke it in such timely manner as to afford Salem Five a reasonable opportunity to act on your direction. 5

6 One time External Transfers cannot be scheduled to occur on a non-business day. Recurring External Transfers scheduled to occur on a non-business day will be processed on the next business day. Limitations: For security reasons, the Bank has established limits on the amount of funds that can be transferred via External Transfers. External Transfers from your account are limited to $5,000 per transaction; $5,000 in aggregate per day; and $20,000 in aggregate per calendar month. External Transfers to your Salem Five account are limited to $15,000 per transaction; $25,000 in aggregate per day; and $25,000 in aggregate per calendar month. We reserve the right to change your External Transfer dollar limit at any time. If we decrease the dollar limit, we will notify you as required by law, but we may not notify you if we are restricting your transfer limits for security purposes or because of excessive overdrafts to your Salem Five account. For the purpose of External Transfers, your account is considered a New Account for the first 90 days it is open, whether you are a new or existing customer of Salem Five. When you initiate an External Transfer from your account outside of Salem Five to your Salem Five account, you are initiating an ACH debit transfer to your external account and a corresponding credit to your Salem Five account. Credits received to a New Account via an External Transfer will be available for withdrawal on the fifth business day after receipt. After the first 90 days your Salem Five account is open, credits received to your account via External Transfer are available for withdrawal on the third business day after receipt. It may take up to three business days for an External Transfer you initiate to be received into your account. A fee may be charged for External Transfers. Consult our current Fee Schedule for applicable fees. B. People Pay Transfers If you have selected Account View, or Account View and Transfer with Bill Payment, you may originate the electronic transfer of funds from your account at Salem Five to others (called People Pay Transfers ). People Pay Transfers are not available using Salem Five Banking through Quicken When you originate People Pay Transfers, you authorize Salem Five and our service provider to initiate debit entries, upon your instructions, from your Salem Five account and to transmit those funds to third parties. You may transmit funds in one of the following three ways: 1) via recipient s or mobile number; 2) as a deposit to the recipient s bank account; or 3) or as a transfer via recipient s PayPal account. You will choose the transfer method upon entering the transfer instructions. You agree and warrant to us that you will only originate People Pay Transfers from accounts for which you have the authority to transfer funds, and that by disclosing information to us 6

7 regarding those accounts to affect your transfers, you are not violating any third party rights. (i) (ii) (iii) For transfers via recipient s or mobile number, the recipient must provide you with an address or a mobile phone number in order to receive notification of the transfer with claim instructions. To ensure proper processing of the transfer, the recipient should confirm the address or mobile phone number they provide you is valid and that they are able to log in and retrieve s sent to that address or that they can receive text messages and access a website at the provided mobile phone number. To claim a transfer, the recipient must access the link provided in the or text message, successfully enter the claim number on the claim site, and provide the ACH routing number for the receiving bank, their account number at the receiving bank and the type of account (checking or savings). Incorrect bank or account information provided by the recipient or by you will result in a rejected transfer and may take up to 10 business days for you to receive credit back to your account. To ensure same day processing, the recipient must claim the funds by 8:00 p.m. Eastern Time. Recipient claims entered on a non-business day will be processed on the following business day. You must have sufficient available funds in your account for the amount of the transfer plus any applicable fees when the recipient claims the payment or the transfer will be declined. You may cancel the transfer before the recipient claims the funds. If the recipient declines the transfer or does not claim the funds within 10 calendar days of the transfer date, the transfer will be automatically cancelled. For transfers via recipient s bank account, the recipient must provide you with an address or a mobile phone number, the ACH routing number for the receiving bank, their account number at the receiving bank and the type of account (checking or savings). To ensure proper processing of the transfer, the recipient should confirm this information with their bank prior to providing the information to you. Incorrect bank or account information provided by the recipient or by you will result in a rejected transfer and may take up to 10 business days for you to receive credit back to your account. To ensure same day processing, you must schedule your transfer by 8:00 p.m. Eastern Time. You must have sufficient available funds in your account for the amount of the transfer plus any applicable fees at the time you schedule the transfer or the transfer will be declined. Person to Person transfers cannot be scheduled to occur on a non-business day and cannot be modified, cancelled or recalled once the transfer has been entered. For transfers via recipient s PayPal account, the recipient must provide you with a valid address or mobile phone number. To ensure proper 7

8 processing of the transfer, the recipient should confirm the address is valid and that they are able to log in and retrieve s sent to that address or that they can receive text messages at the provided mobile phone number. The recipient must have an existing PayPal account associated with that address or mobile phone number, they must associate that or mobile phone number with an existing PayPal account or they must open a new PayPal account associated with that address or mobile phone number. You must have sufficient available funds in your account for the amount of the transfer plus any applicable fees at the time you schedule the transfer or the transfer will be declined. Transfers sent via PayPal may be entered at any time, are processed immediately, and cannot be modified, cancelled or recalled once the transfer has been entered. PayPal may have rules, regulations, and policies governing the receipt of these transfers and the crediting of them to a PayPal account. Any questions regarding PayPal s rules, regulations or policies must be addressed with PayPal. If you choose to send your money via the PayPal option and the recipient doesn t claim the money or doesn t have or open a PayPal account, the funds may not be returned to you by PayPal for up to 45 days. You agree that Salem Five is unable to return the money and that you must contact PayPal to request an return of the funds, and that the return of funds is solely within PayPal s control, including the timeframe to complete the return. We will transfer the funds using the instructions you provide, and you are solely responsible for the accuracy of those instructions. It is your responsibility to maintain the confidentiality of the information the recipient provides to you. People Pay Transfers may only be originated on a single entry basis. Limitations: For security reasons, the Bank has established limits on the amount of funds that can be transferred via People Pay Transfers. People Pay Transfers sent to the recipient s bank account, or mobile are limited to $1,000 per transaction and $1,000 in aggregate per day. People Pay Transfers sent to recipient s PayPal account are limited to $1,000 per transaction and $1,000 in aggregate per day. The total of all People Pay Transfers from your account per day is $1,000. We reserve the right to change your People Pay Transfer dollar limit at any time. If we decrease the dollar limit, we will notify you as required by law, but we may not notify you if we are restricting your transfer limits for security purposes or because of excessive overdrafts to your Salem Five account. It may take up to three business days for a transfers you initiate from your account via , mobile, or deposit to the recipient s bank account to be received by the recipient. Transfers sent via PayPal are transmitted immediately. If you conduct People Pay Transfers from a money market account or savings account please note that the transfers are included in the aggregate permitted amount of 6 combined pre-authorized, automatic, or telephone transfers per 8

9 statement period from said account to third parties. Transfers or withdrawals by debit card or similar order payable to third parties are also included in the aggregate limit of pre-authorized transfers. A fee may be charged for People Pay Transfers. Consult our current Fee Schedule for applicable fees. Confirmation of Bill Payments 1. Using Online Banking Each time you properly execute and send a payment, a Payment Confirmation box will appear with the details of the payment you have scheduled and a confirmation number. The scheduled payment will also appear on the Pending Payments list until it is transmitted. Once a payment has been sent or successfully cancelled, it will no longer appear on the Pending Payments list. If the Service does not show the payment on the Pending Payments list on the day you make the payment, you have not successfully initiated a payment, and we will not process your payment instructions. You may print a copy of the Pending Payment list for your records. 2. Using Banking Through Quicken Each time you properly execute and send a payment through the Online Center, the Payments portion of the screen will appear with the details of the payment as confirmation. The payment status will show as Sent on the screen and in the transaction entry for the Quicken register of the primary bill paying account. If you have deleted the payment successfully, the Payments portion of the Online Center screen will show a status of Void along with the Quicken register entry for your primary bill paying account. If the payment status does not show as Sent on the Payments portion of the Online Center screen, you have not successfully initiated a payment, and we will not process your payment instructions. Liability Limitations We and our agents will use good faith efforts to make all your payments and transfers properly. However, under no circumstances will we be liable if we or our authorized third parties are unable to complete any payment or transfer initiated in the correct amount or in a timely manner via the Services because of the existence of any one or more of the following circumstances: 1. Your payment does not appear on the Pending Payments List on the day you initiate it (for Online Banking), or the payment status does not show as Sent 9

10 (for Banking through Quicken ) at the time you initiate a bill payment or modification of a bill payment. 2. If, through no fault of ours, your selected account at Salem Five or, in the case of an External Transfer, at a financial institution other than Salem Five, does not contain sufficient available funds to complete the payment or transfer or the payment or transfer would cause you to exceed the credit limit on your selected account s overdraft line, or your payment or transfer request causes you to exceed any funds transfer limitations set for your account. (If this occurs, we are under no obligation to notify you that the payment or transfer has not been completed.) 3. The funds in your selected account are subject to legal process or other encumbrance restricting such payment or transfer. 4. Your subscription to the Services has been suspended or terminated for any reason. 5. The Services, the software, or any communications link is not working properly and you know or have been advised by us about the malfunction before you attempted to execute the transaction or, in the case of an automatic or recurring payment or transfer, at the time such payment or transfer should have occurred. 6. Your computer, mobile device or related equipment malfunction or your Internet service provider or cellular service provider fails to provide a connection. 7. You have not provided us with the correct or complete information for those payees to which you wish to direct payment or for those accounts to or from which you wish to make a transfer. 8. The merchant or other payee mishandles or delays crediting of any payments sent by us on your behalf or the merchant or payee refuses or is unable to accept a payment 9. You fail to schedule a proper date for payment sufficiently in advance of the date a payment is due. 10. A payment sent by check, including an Expedited Payment by Overnight Check, is delayed by the U.S. Post Office or other carrier selected by us. 11. Circumstances beyond our control (such as, but not limited to, fire, flood or interference from an outside source) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid these circumstances. 10

11 12. You represent a business or other entity and an unauthorized transaction or transactions are made using your Security Codes that occurs before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. This is true even if your Security Codes are lost, stolen or obtained or retained by a person not authorized by you to use the Services. If you have followed the procedures described in this Agreement for payments or transfers but are assessed a penalty or late charge by a merchant because we have failed to process a transaction timely in accordance with the terms of this Agreement, we will reimburse you for the related penalty or late charge, to the extent required by applicable law. HOWEVER, OUR OBLIGATION TO REIMBURSE YOU FOR YOUR LOSSES IS SUBJECT TO THE LIABILITY LIMITATIONS DESCRIBED HEREIN. IN THE EVENT THAT YOU DO NOT ADHERE TO YOUR OBLIGATIONS IN THIS AGREEMENT, YOU WILL BEAR FULL RESPONSIBILITY FOR ALL PENALTIES, LATE FEES AND DAMAGES PROXIMATELY CAUSED BY YOUR ACTION OR INACTION, AND WE WILL NOT BE LIABLE FOR ANY SUCH CHARGES. THE SERVICES ARE PROVIDED AS IS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. EXCEPT AS OTHERWISE REQUIRED BY LAW, WE AND OUR OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF YOUR EQUIPMENT OR YOUR USE OF THE SERVICES, EVEN IF YOU ADVISE US OF THE POSSIBILITY OF SUCH DAMAGES. You acknowledge that your sole and exclusive remedy in the event of your dissatisfaction is to cease use of the Services. Transaction Cancellation and Modification Canceling Internal Transfers: Transfers between your Salem Five accounts, other than future dated transfers, are completed immediately and cannot be cancelled or modified. Future transfers may be cancelled or modified as long as they still appear on the Scheduled Transfers List. Canceling Bill Payments: You may cancel or modify a future-dated bill payment via the Services up until 10:30 p.m. Eastern Time (9:30 p.m. Central Time) on the Transmit Date. If you use Banking through Quicken, you may cancel or modify a future-dated bill payment up until 3:00 a.m. Eastern Time (2:00 a.m. Central Time). However, Expedited Bill Payments are processed quickly and cannot be cancelled or modified once they are ordered. If you call us to request a stop on a payment that is to be effected by check, we must receive your request sufficiently in advance of the scheduled payment date in order to honor it. When we manually process your stop payment order, you will be charged a stop payment fee in accordance with our Fee Schedule. 11

12 A modification of a recurring payment or transfer instruction will affect all future payments or transfers associated with that payment or transfer. Canceling External Transfers: Single entry transfers scheduled to be effected immediately can be cancelled before 7:00 p.m. Eastern Standard Time on the day of your origination. Future dated single entry transfers and recurring transfers can be cancelled prior to 7:00 p.m. Eastern Standard Time on the bank business day prior to the date the transfer is scheduled to be made. Although less convenient and more costly to you, you may alternatively cancel a future scheduled transfer or bill payment (other than an Expedited Bill Payment) by calling us at (800) or by writing us at: Salem Five Contact Center, 210 Essex Street, Salem, MA or by at: We must receive your request at least three (3) business days before the transaction is scheduled. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. If you call or write to cancel a future scheduled transaction, you will be charged a stop payment fee in accordance with our Fee Schedule. Canceling People Pay Transfers: People Pay Person to Person or PayPal transfers cannot be modified, cancelled or recalled once the transfer has been entered. People Pay Recipient Chooses transfers can be cancelled before the recipient claims the funds, can be declined by the recipient, and will automatically cancel if not claimed by the recipient within 10 calendar days. Unauthorized Use Your User I.D. and Password are confidential to you. (For Banking through Quicken users, the same applies to your Customer I.D. and Personal Identification Number [PIN]). These identifiers (your Security Codes ) are for your personal use and should not be disclosed to any other person. We will not be liable for any losses that may occur if you voluntarily give your Security Codes to another person who makes transactions via the Services without your permission. Contact us immediately if you believe that someone has obtained your Security Codes or may have access to your accounts without your permission. Telephoning is the best way of minimizing your losses. If you are a consumer, you can lose no more than $50 if you fail to give us notice of a disclosed Security Code and someone uses it without your permission. Please refer to the Consumer Banking Services Agreement for further information on unauthorized use. If you represent a business or other entity (including a sole proprietorship), you acknowledge that the business or entity assumes all liability for unauthorized use of its Security Codes. You agree to monitor your Online Banking transactions on a daily basis and to notify us immediately of your objection to any transaction. By using the Services, you acknowledge and agree that this Agreement and the Services screens set forth security procedures for electronic banking transactions that are commercially reasonable. 12

13 You agree to be bound by any payment order, whether or not authorized, made using the Services and your Security Codes, unless you have given us prior notice according to the terms of this Agreement and we have had a reasonable opportunity to act on such notice. e-bill Presentment e-bill Presentment is an optional feature of the Services that allows you to receive bills electronically from billers who elect to participate ( Payees ). e-bill Presentment cannot be activated or accessed via a mobile device. If you activate e-bill Presentment, you also agree that: 1. Each Payee has the sole discretion to accept or decline a request for electronic billing. Once accepted, the date of presentment of your first electronic bill may vary from Payee to Payee. 2. By your activation of e-bill Presentment, you authorize us to use the login information you have registered with any Payee, including your password, in order to retrieve bill information on your behalf. 3. We are not responsible if your bill is not available from a Payee for retrieval, a Payee does not provide us with a bill summary, or a Payee does not provide access for you to view your bill in a timely manner. It is your sole responsibility to contact your Payees directly if you do not receive your bills or there is a delay in your receipt of a bill. You hold us harmless for any adverse consequences should you not receive a bill or there is a delay in your receipt of a bill. 4. Some Payees will turn off paper billing when you activate e-bill Presentment; others will not. If you receive a bill both electronically and in paper format and you pay both bills, we will not be liable for crediting your account the overpayment. You must contact the Payee directly to resolve the issue. Your ability to receive a paper copy of your electronic statement in addition to an electronic bill is at the sole discretion of each Payee. 5. Any Payee may discontinue electronic billing at any time. You may also cancel e-bill Presentment from any Payee at any time; if you do, you are responsible for making arrangements with the Payee for an alternative form of bill delivery. 6. We are not responsible for the accuracy of your electronic bill(s). Any disputes regarding the accuracy of an electronic bill must be addressed with the Payee directly. 7. The Services will store 18 months of bill summary information. However, images of the bills may only be available as long as the Payee maintains them. If you will have need of bill summary information or images of bills beyond these times, you should save them to your computer or print them. 13

14 8. The e-bill Presentment feature is subject to the Liability Limitations described above and all other provisions of this Agreement. New Services We may from time to time introduce new services or enhance the existing Services. By using these new services when they become available, you agree to be bound by the terms and conditions relating to these services, notice of which will be sent to you, if required by applicable law, prior to their release. Charges We will charge you a fee for the Services, as stated in our fee schedules. Fees applicable to consumers are disclosed in the Consumer Banking Fee Schedule; fees applicable to businesses and other entities are disclosed in the Business Banking Fee Schedule. We will deduct these charges from your Primary Billing Account as designated by you on your Online Banking Application or your Primary Bill Payment Account as designated on your Banking Through Quicken Application, and we may do so even if the fee creates an overdraft. Fees may change from time to time. You agree to be liable for all fees associated with the Services. If a payment has been made to one of your designated merchants for which funds were not available in your Funding Account (or your Primary Bill Payment Account if you use Banking Through Quicken ), and we are unable to recover the amount of the payment by debit to the merchant or by charging your Funding Account (or your Primary Bill Payment Account) or another of your accounts, you agree to repay the funds owed immediately upon demand. Electronic Communications As an Online Banking customer, you agree that we may communicate with you by electronic means regarding the accounts you maintain with us and designate for use with the Services. This means that we may send you electronic messages regarding your account or the Services and any messages we send electronically will be treated as a writing and will be binding as a written communication. These messages may include any disclosures or notices required by applicable federal or state law or regulation. For example, if you assert an electronic transaction error in your account, we may communicate the results of our investigation to you via the feature within the Services. You should check your messages within the Services regularly in order to insure that you have received any important information about your account or the Services. You will be deemed to have received any information, including any required disclosure or notice, as of the date we transmit such information to you. If your account is a joint account, we will consider our electronic communication to one owner as being 14

15 given to all account owners. All communications in either electronic or paper format will be considered to be in writing. Electronic Statement Delivery ( Online Statements ) 1. The Scope of Your Consent If you consent to Online Statements, you also consent to delivery of the following categories of communications from us in electronic form: Periodic and annual statements you are provided in connection with the deposit accounts for which we offer, and you select, electronic delivery, whether now or in the future; Images of checks paid against your account(s) during the statement period, if applicable; Consumer disclosures, as applicable, that are required and may be provided on or with a consumer s periodic statements, including, but not limited to, the Privacy Notice as required under the Gramm-Leach-Bliley Act; the Error Resolution Notice required by the federal Electronic Fund Transfer Act and Massachusetts General Laws Chapter 167B;certain deposit account terms as required under the federal Truth-in-Savings Act; and the Billing Rights Statement required by the federal Truth in Lending Act and Massachusetts General Laws Chapter 140D; Notices and other communications we may send to you, including but not limited to notices regarding changes to the terms of your account, including applicable fees. Your continued use of the Services following such communication will constitute your acceptance of the revised terms. (Certain changes in terms notices that would normally be provided as an insert with your paper statement may continue to be provided in paper form via U.S. mail or may be provided by .) If your account is joint with another person or persons, one joint owner s election to receive Online Statements will apply to both or all of you. You understand that once we process your Online Statement request, we will discontinue mailing printed account statements to your mailing address of record unless you withdraw your consent to Online Statements (as described below). 2. How We Will Provide Online Statements You must provide a valid address for our notification purposes. Each statement period we will send you an notice advising you of the availability of your Online Statement. Once you receive our notice you may then access your current Online 15

16 Statement at the Salem Five Online Banking system website. Your Online Statement may be accessed for a period of seven years after it is first made available to you. If an we send to your address of record is returned as undeliverable we will attempt to contact you by telephone or U.S. mail, but we are not obligated to do so. 3. Your Right to Withdraw Consent to Online Statements You may withdraw your consent to have your statements provided in electronic form at any time by selecting an alternative delivery method within the Services. Once you do so, all subsequent statements will be delivered in paper format with the QuikCheck SM feature. This means that images of the fronts of all checks paid during the statement cycle will be provided in paper format, in place of the original cancelled checks. We will not charge you a fee to process your request to withdraw your consent. However, if you have an account that requires Online Statements and you withdraw your consent, any fees we may have been waiving on your account based on your agreement to electronic statement delivery will be charged subsequently. Consult your account disclosure and Fee Schedule for any fees that may then apply. If your account is one that requires electronic delivery of statements, withdrawal of your consent to Online Statements may also result in the conversion of your account to another account type, if and as disclosed in your particular account disclosure provided to you at account opening. 4. Requesting a Paper Copy of a Statement You may request a paper copy of any Online Statement, check image, disclosure or notice received electronically under this agreement by writing to us at the address for notices below within seven years after we provided the statement, image, disclosure or notice to you electronically. You may be charged a fee for a duplicate copy, as described in our then current Fee Schedule. 5. Your Duty to Review Your Online Statements Your Online Statement will be dated up to four days prior to the day of the notifying you of the availability of your Online Statement. You must promptly access and review your Online Statement and notify us within the applicable time period specified in your applicable Banking Services Agreement of any error, unauthorized transaction, or other discrepancy. The applicable time period within which you must notify us begins on the day we send you the notification, regardless of when you receive or open your Online Statement. 6. Online Statement Access Access to Online Statements may be unavailable at times due to scheduled maintenance, unscheduled maintenance, or system outage. In addition, both environmental and 16

17 physical events may occur that may cause the Services to become unavailable. We will make every reasonable effort to ensure the availability of access to your Online Statements through the Services. However, we are not liable for the unavailability of the Services or any damage that may result from your inability to access your Online Statement. 7. Updating Your Contact Information It is your responsibility to provide us with an accurate and complete address, postal address, and telephone number. You must promptly notify us of any change in your contact information. You may change your contact information with us through the Services or by contacting us directly as described above. 8. Our Right to Terminate Online Statement Delivery If you or we terminate your access to the Services, we will discontinue providing statements to you electronically and revert to paper statements. 9. Verification of Ability and Consent to Receive Statements and Other Communications Electronically Before we can provide you with periodic statements and other disclosures and notices in electronic format, you must demonstrate to us that you can access your statement or other communications in the same manner that it will be provided. Your consent to electronic delivery by your electronic click within Online Banking or on the Online Banking enrollment page demonstrates to us that you have the minimum hardware and software specifications described above and that you wish to receive electronic delivery of your account statements, disclosures and other communications from us. Suspension by Us In the event of repetitive failed payments or transfers, we reserve the right to suspend your subscription to the Services. This suspension may be without prior notice to you. If your subscription is suspended, transactions which were previously scheduled will be cancelled. In the event your subscription is suspended, we will notify you by mail at your last listed address or last listed address and all inquiries or correspondence relating thereto, including requests for reinstatement, should be directed to the Salem Five Contact Center. Termination by Us We reserve the right to terminate your use of the Services, in whole or in part, at any time without prior notice. 17

18 If you have not logged in to the Services or performed any banking transactions or paid bills via the Services in more than 90 days, or if your account is not in good standing, we may terminate your subscription to the Services for security reasons, with or without notice to you. Canceling the Services If you wish to cancel your subscription to the Services, you must provide the Salem Five Contact Center with at least ten (10) days advance notice by phone or , or you may notify Salem Five in writing. You will be responsible for all payments or transfers you have requested prior to termination unless cancelled by you, and for all other charges and fees incurred. If you cancel your subscription to the Services, any future account statements, notices and disclosures will be delivered in paper format. SINCE SUBSCRIPTION CANCELLATION REQUESTS TAKE UP TO 10 DAYS TO PROCESS, YOU SHOULD CANCEL ALL OUTSTANDING PAYMENTS OR TRANSFER ORDERS IN ADDITION TO NOTIFYING US OF YOUR DESIRE TO TERMINATE THE SERVICES. WE WILL NOT BE LIABLE FOR PAYMENTS OR TRANSFERS NOT CANCELLED OR PAYMENTS OR TRANSFERS MADE DUE TO THE LACK OF PROPER NOTIFICATION BY YOU OF SERVICES CANCELLATION. Amendment We may amend this Agreement, or the applicable fees and charges, at any time. We will send notice to you of any amendment at your last listed address with us or transmit notice of the alteration or amendment over the Services at least 21 days prior to the effective date of the change, if required by law. However, if the change is made for security purposes, we can implement it without giving you prior notice. Your use of the Services following transmittal of a notice of alteration or amendment constitutes your acceptance of such alterations or amendments. Resolution of Disputes In the event of a dispute regarding the Services, you and we agree to resolve the dispute by looking to the terms and conditions contained in this Agreement and the Banking Services Agreement applicable to you as a consumer or a business entity. The terms and conditions contained here, as they may be amended from time to time, shall supersede any and all other representations made by our employees. No Waiver 18

19 Our failure to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision unless agreed by us in writing. Governing Law This Agreement shall be construed and governed exclusively by the laws of the Commonwealth of Massachusetts, without regard to any conflict of laws provisions. In the event of any conflict between the provisions of this Agreement and applicable law or regulation, this Agreement shall be deemed modified to the extent necessary to comply with such law or regulation. 19

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