Please read this Disclosure and Consent Agreement carefully and keep a copy for your records.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

IMPORTANT: PLEASE PRINT AND RETAIN THIS AGREEMENT FOR YOUR RECORDS