E-sign and Electronic Communications Agreement

Date Last Updated:

September 1, 2018

Middlesex Federal Savings, F.A. One College Avenue Somerville, MA 02144

Please review the terms and conditions of this agreement.

After you have read this agreement, you must agree to the terms and conditions and give your consent to receive account notices and disclosures required by law including notices regarding changes to your account electronically by clicking the "Accept" button below.

By clicking the "Accept" button, which represents your electronic signature, you certify that you are an authorized signer of the account(s); that you understand you are legally bound; and that any transaction performed pursuant to this agreement shall be considered authorized by you. If the account is a joint account, the electronic authorization by any joint account holder applies to all account holders and shall be considered authorized by all joint owners.

If you choose to receive your account statements, related disclosures and notices electronically for the accounts included in your Online/Mobile Banking Service, as well as any other accounts whose account activity is combined with these accounts, you may select this option within Online/Mobile Banking. Paper copies of disclosures and notices may no longer be delivered to you by postal mail. If you wish to “unenroll” from eStatements you may contact a Customer Service Representative. Paper copies of any statements or disclosures are available free of charge by contacting Customer Service.

Document Availability Email Notification

Middlesex Federal Savings ("the Bank") will send an email to the email address that you provide us to notify you that your disclosures and notices that the Bank may send are available for viewing within your Online/Mobile Banking Service. It is your responsibility to ensure that the Online/Mobile Banking Service contains your current and valid email address and to notify the Bank through the Bank's Online/Mobile Banking Service if you change your email address. The Bank shall not be liable for any third party fees, legal liability or any other issues or liabilities arising from notices sent to an invalid or inactive email address that you have provided. You may request a paper copy of any account notices, agreements and disclosures and understand that a fee may be charged for any such paper copies in accordance with Middlesex Federal Savings fee schedule. To request a copy, please call us at 1-844-260-6800.

Your Right to Terminate

You may withdraw your consent to receive disclosures and notices at any time after your enrollment. To terminate this agreement, you may provide notice in writing to the mailing address listed above, or by sending an email through Online/Mobile Banking. Your withdrawal shall become effective as soon as the Bank has had a reasonable opportunity to act on your request. You will not be charged a fee if you withdraw your consent.

Bank's Right to Terminate

You acknowledge and understand that the eDocument Service may be cancelled at any time and for any reason at the sole discretion of the Bank. If the eDocument Service is terminated, the Bank will provide you with paper copies of disclosures and notices by mail. You may terminate your eDocument Service by calling us at 1-844-260-6800. You may be charged for any such documents in accordance with the Bank’s fee schedule.

Change in Terms and Conditions

The Bank reserves the right to change the terms and conditions of this agreement and will provide at least 30 days’ notice prior to the effective date if the change will result in increased fees or liability. Accessing your Middlesex Federal Savings eDocument Service after you receive any notice of change will constitute your agreement to such change. Certain notices, agreements and disclosures may be required by law to be provided in hard copy even though you have agreed to receive such information electronically.

Computer Requirements

Documents and notices are produced in PDF format. In addition to the System Requirements for Middlesex Federal Savings Online/Mobile Banking Service, you will need to have an Internet Browser with Internet Access and Adobe Acrobat Reader, which is available free of charge at its website (www.adobe.com). You should have the ability to print and electronically view and save your eStatements.

Business Account Customers

If the account(s) designated in this agreement is/are business account(s), the Account Holder agrees that the account(s) will be used solely for business purposes and shall not be used for personal, family or household purposes. The Account Holder acknowledges and agrees that the provisions of the Federal and Massachusetts Electronic Fund Transfers Acts, Regulation E and other consumer protection laws and regulations do not apply. (05/01/2018)