eStatement Disclosure & Agreement

Electronic Delivery of Statements

By completing the eStatement Disclosure and Agreement (“Agreement”) you agree to permit Abington Bank (“The Bank”) to make disclosures and provide notices to you in electronic form, instead of providing such notices and disclosures in written form. This Agreement applies to each account you have with Abington Bank where electronic statements or disclosures are available.

Your consent and agreement shall relate to all forms of disclosures and notices required under applicable law as a result of the various agreements between you and the Bank and shall remain valid until such time as you exercise your right to revoke this consent. You elect and authorize us, at our discretion, to electronically deliver your account statement(s), disclosures, and notices that we are required to provide you under applicable Federal and State statutes and their implementing regulations, as amended from time to time.

Other Federal and State laws and regulations (“laws”) may be enacted or amended in the future to provide for electronic delivery of account statements and notices. Your election also authorized us, at our discretion, to provide electronic delivery of such statements and notices pursuant to these laws after they become effective.

Definitions

"We", "Our", "Us", or "The Bank" mean Abington Bank.
"You" and "your" refer to the account owner(s) authorized by the Bank to receive electronic statements or disclosures under this Agreement.
"Account" or "accounts" means your accounts at the Bank.
"Business days" means any calendar day other than Saturday, Sunday, or any holidays recognized by the Bank.

Terms and Conditions of Your Electronic Statement Agreement
By entering into this Agreement, you accept all the terms and conditions contained in the agreement. Please read it carefully.

The terms and conditions of your Account Agreement and Disclosure for each of your bank accounts as well as your other agreements with the Bank such as loans continue to apply notwithstanding anything to the contrary in this Agreement.

This Agreement is also subject to applicable federal laws and the laws of the State of Massachusetts. If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.

The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and the Bank's successors and assigns. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement.

Consent to Electronic Delivery of Account Statements

You have the right to receive monthly, printed Account statements mailed to your mailing address of record. If you request to receive your statement by electronic delivery, you understand and agree that you will no longer receive a paper statement.

By entering into this Agreement, you understand that the Bank will cease providing you with printed statements in the mail, and that all future account statements will be maintained on a website that you may access to obtain, review, print and otherwise copy/download your periodic statements for 18 months from the date of delivery.

Each month we will send a notice to you via email, at the email address you specify, advising you of the availability of your eStatement. You may then access your statement via a link to our website using the procedures we authorize. You agree to notify us immediately, via telephone, facsimile, or e-mail of any change in your e-mail address.

Withdrawal of Consent
You understand that if you decide in the future that you would like to receive printed statements in the mail instead of receiving eStatements electronically, you agree to notify the Bank in person, via telephone, or via U.S. Mail. Our telephone number and postal mail address are listed below in the section entitled “Communications between the Bank and You.” We will not impose a fee to process the withdrawal of your consent. Any withdrawal of your consent to receive electronic statements will be effective after a reasonable period of time in order for the Bank to process your withdrawal.

Security
You understand the importance of your role in preventing misuse of your accounts and you agree to promptly examine your eStatement for each of your Abington Bank accounts as soon as you receive/access it. You agree to protect the confidentiality of your account and account number, and your user ID and password. You understand that your user ID and password by itself or together with information related to your account, may allow unauthorized access to your account.
Data transferred via eStatement is not encrypted. You acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing the Internet, or e-mail transmitted to and from us, will not be monitored or read by others.

Password Security
For security reasons, we will require the use of an individualized password to gain access to your Abington Bank statements. If you incorrectly enter your password three times you will be prevented from access to eStatements. If you are prevented access due to incorrect password, please contact us at 781-878-0045.

Your logon password is confidential information that should be known only by you. Abington Bank will not, for any reason, ask for your logon password. If anyone contacts you and requests this information, contact us immediately. You are responsible for keeping your logon password confidential.


eStatement Procedure
You will receive an e-mail shortly after the end of each statement period (not all accounts generate monthly statements) with your eStatement. You may link to the Bank’s eStatement site by clicking on the link in the e-mail. Clicking this link will take you to the Logon page for eStatements. You will need to enter your user ID and password to view your eStatement.

Periodic Statements
By enrolling to receive eStatements, you will not receive a separate printed and mailed statement.

Your eStatement will be dated the day of the e-mail notifying you of the availability of your eStatement (the “E-mail Date”). You must promptly access/review your eStatement and any accompanying items and notify us in writing within the applicable time period specified in your Account Agreement and Disclosure of any error, unauthorized signature, lack of signature, alteration or other irregularity. If you allow someone else to access/review your statement, you are still fully responsible to access/review the statement for any errors, unauthorized signatures, lack of signatures, alterations, or other irregularities. Any applicable time periods within which you must notify us of any errors on your account statement(s) shall begin on the E-mail Date regardless of when you receive and/or open the eStatement.

Requesting Paper Statements
We will not send you a paper copy of any statement from the Bank on accounts where you have elected to receive eStatements, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic statement by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made no later than 7 years after we first provided the electronic statement to you. To request a paper copy, contact us at 781-878-0045. The Bank will charge a duplicate statement fee for providing this service. Review the Bank’s current Service Fee Schedule to determine this amount.

Change in Terms
We may change any term of this Agreement at any time. If the change would result in increased fees for any bank service, or increased liability for you, we agree to give you notice at least 30 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will provide any required notice of the change in terms to you by e-mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. If there is more than one party to the account, notice to any one-account owner will be effective for all. We reserve the right to waive, reduce or reverse charges or fees in individual situations. You acknowledge and agree that the applicable deposit agreements and disclosures govern changes to fees applicable to specific accounts. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any statement that you have authorized us to provide electronically.

Disclaimer of Warranty and Limitation of Liability
We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the eStatements provided to you under this Agreement. We do not and cannot warrant that eStatements will operate without error, or that eStatements will be available at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of eStatements, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty or any other legal theory. Further, in no event shall the liability of the Bank and its affiliates exceed the amounts paid by you for the services provided to you through eStatements.

Communications between the Bank and You
Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways:

Telephone: You can contact us by telephone at: 781-878-0045
Facsimile: You can send a fax to us at: 781-878-9764
Postal Mail: You can write to us at:6 Harrison Avenue, P.O. Box 68 Abington, MA 02351

Consent to Electronic Delivery of Notices
You agree that any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, including electronic fund transfer disclosures, may be made electronically via e-mail, notice with instructions/links or via an e-mail with attached disclosures. You agree to notify us immediately of any change in your e-mail address. Your consent to receive electronic communications and transactions includes, but is not limited to:
• Initial disclosures or agreements for your Account(s).
• Periodic disclosures or monthly statements for your Account(s).
• Notices or disclosures about a change in the terms of your Account(s).
• Privacy policies and notices.

We will send all notices, attachments and/or documents via e-mail to the last known e-mail address provided by you. You agree to notify us promptly in writing (by letter sent via U.S. Mail) or by calling us at 781-878-0045, of any change of your e-mail address. For your protection and for security purposes, we will not accept any change of e-mail address notices via e- mail. If you have not notified us in writing of any change of your e-mail address, you agree that your failure to provide us with a good e-mail address is the lack of ordinary care on your part. If we become aware that you are not receiving e-mail, we will send all notices, attachments and/or documents to you via U.S. Mail to your last address known to us.

Hardware and Software Requirements
In order to access, view, and retain electronic statements, notices or disclosures that we make available to you, you must have:
• Internet Explorer 7.0 or higher, Firefox 3.0 or higher, Chrome, or Safari 4.0, but can support any browser with 128-bit encryption capabilities (i.e. Netscape 4.03 or higher);
• A personal computer, operating system and telecommunication connections to the Internet capable of receiving, accessing, displaying and either printing or storing, statements received in electronic form from us by accessing out Online Banking System using an internet browser specified above.
• A valid e-mail account and e-mail access;
• Software which permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader 7.0 or higher. To download a free copy of Adobe Acrobat Reader, please go to http://www.adobe.com.

Federal Law
You acknowledge that your consent to electronic statements, disclosures, and notices is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and the Bank intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

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6 Harrison Avenue • Abington, MA 02351
781.878.0045 • 781.878.9764 fax

Hours

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Mon-Wed 9:00-4:00 7:45-4:00
Thurs 9:00-6:00 7:45-6:00
Fri 9:00-5:00 7:45-5:00
Sat 8:30-1:00 7:45-1:00
24-hour ATM available
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Near the Intersection of Rte 58 and Rte 139 Click Here to Get Directions
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6 Harrison Avenue • Abington, MA 02351 781.878.0045 • 781.878.9764 fax
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