Agreement and Disclosures
Online Banking Terms and Conditions Agreement


This Agreement describes your rights and obligations as a user of the Online Banking Service or the Bill Payment Service (“Service” or “Services”). It also describes the rights and obligations of Envision Bank. Please read this Agreement carefully. As an authorized account holder you must abide by the terms and conditions of this agreement, and those provided to you at account opening, in order to use this service.

CUSTOMER DISCLOSURE AND AGREEMENT TO RECEIVE ELECTRONIC COMMUNICATIONS

By selecting the “I Accept” button below, you are (1) acknowledging your receipt of the information listed below, (2) agreeing that any contract you enter into with Envision Bank for the provision of certain Online Banking Services, may be in electronic form, and (3) agreeing that certain information that may be delivered in connection with the Services may also be in electronic form.

You are also acknowledging receipt of the following information and agree that:

• We may provide you with this Agreement and any revisions and amendments thereto in electronic form, and that, if you choose to accept the Agreement, you are consenting to enter into and are entering into an agreement electronically that will govern all future transaction(s) you conduct using the Service.

• We may provide you revisions and amendments to the Agreement and such other information, including but not limited to information under Regulation E and under other applicable banking or financial services laws or regulations in connection with the Service, electronically as a part of the Agreement or otherwise as a part of the Services. While you may print and retain a copy of the Agreement or any information provided to you in relation to the Service, we only provide these documents electronically.

• You have a right at any time to withdraw, without service charges, your consent to receive information electronically. However, because the Agreement and the Information are provided only in electronic format, your withdrawal of consent will terminate all the Services.

• If you wish to withdraw consent to receive information electronically, to terminate the Services, or to update your information such as a change of address, or email address,
call us at:
877-963-2100
or write to us at:
Envision Bank
10 Cabot Place
Stoughton, MA 02072

• You are able to access information that is provided in the same manner as the information and the Services via the Internet.


DEFINITIONS

The following definitions apply in this Agreement.

“Online Banking” is the Internet-based service providing access to your account(s) under the terms set forth in this Internet Banking Terms and Conditions Agreement

“Online Account” is a Envision Bank account from which you will be conducting transactions using a Service.

“Bill Payment” is the Internet-based service providing payments to Envision Bank or to third parties from your designated Envision Bank account(s).

“Bill Pay Account” is the transaction account from which you are initiating an Online Bill Payment.

“Business Day” refers to Monday through Friday excluding holidays. All online transaction requests received after 7:00 p.m. EST, or on a non-Business Day, will be processed immediately, but will not appear in the online history until the following Business Day.

“Password” is a series of 8-16 numbers and letters containing at least one alpha and one number character.  Passwords are case sensitive.  Also, passwords can not read the same backward and forward.  Once the First Time User Information form is completed and submitted online you will be prompted to create a password.

“Payment Initiation Date” is the date you enter into Online Banking when setting up a bill payment.

“Time of day” references are to Eastern Standard Time.

“We,” “us” “our” or “[bank]” refer to Envision Bank, which offers the Services provided under this Agreement and holds the accounts accessed by the Services.

ACCESS TO SERVICES
Envision Bank will provide online instructions describing how to use the Online Banking Service or Online Bill Payment Service. To gain access to this Service you will need your Access ID and your Password.

HOURS OF OPERATION

The Services are generally available 24 hours-a-day, 7 days a week, except during special maintenance and upgrade periods, which routinely are scheduled between 12:00 a.m. and 5:00 a.m. Monday mornings.

USE OF YOUR SECURITY PASSWORD

The safety of our customers’ accounts and account information is of paramount importance to Envision Bank. We go through great lengths to protect confidentiality and the security of your account, and urge you to do the same.  You agree not to allow anyone to gain access to the Services or to let anyone know your Password used with the Services. You agree to assume responsibility for all transactions initiated through the Services with your Envision Bank User-ID, up to the limits allowed by applicable law. While Envision Bank continues to provide our customers with the level of online security we believe necessary and appropriate, customers who share their User-IDs and Passwords are giving up the full benefit of our security measures and legal protections to which they may be entitled. No Envision Bank representative will ever call or send an e-mail and ask for your Access ID or User Password.

IF YOUR PASSWORD HAS BEEN LOST OR STOLEN

Tell us AT ONCE if you believe your password has been lost or stolen. You can contact Envision Bank at 877-963-2100, our call center is open from 7am to 7pm Monday through Friday and 8am-2pm Saturday. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your password, you can lose no more than $50 if someone used your password without your permission. Also, if your statement shows transfers that you did not make, including those made by card, password, or other means, 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.

New services may be introduced for Online Banking from time to time. Envision Bank will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services.

BILL PAYMENT SERVICE

The Bill Payment Service permits you to use your Internet-enabled device to direct payments from your designated Online Bill Pay Account to third parties you wish to pay and who accepts Bill Payment Services.
Through the Bill Payment Service, you can pay bills from your Bill Pay Account to:

• Business Payees—any business, merchant, or professional that generates a bill or invoice for products or services provided to you on your behalf and that has an address we can verify
• Individual Payees—payments made to individuals, family, or friends for non-business purposes.

• You may set up the following types of bill payments:

• Single Payments—a payment to be made to a payee one time
• Recurring Payments—payments of fixed amounts to a single payee at recurring intervals (e.g., weekly, bi-weekly, monthly, bi-monthly, quarterly, annually or semi-annually).

All payments you make will be deducted from the account that you designate as your Bill Pay Account on the Payment Initiation Date. Any payments you wish to make through this Service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict or limit the number of transactions processed through this Service from time to time. Further, we reserve the right to check your credit history at enrollment and obtain follow up credit history reports at a later date.

You should not use the Bill Payment Service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments (e.g., alimony or child support payments). Payments, additional fees, fines, penalties or other losses associated with payments to these payees that are delayed or improperly addressed or credited are your sole responsibility.

Funds must be available in your Bill Pay Account, including overdraft lines of credit, on the scheduled Payment Initiation Date. If the Payment Initiation Date falls on a non-Business Day (i.e., Saturday, Sunday or holiday), funds must be available in your Bill Pay Account the following Business Day (i.e., Monday). After funds are withdrawn from your Bill Pay Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check.

If your Bill Pay Account does not have sufficient available funds to make a payment as of the Payment Initiation Date, the payment will be canceled and no further attempt will be made by Envision Bank to make the transfer or payment. Envision Bank will attempt to notify you by e-mail or U.S. Postal Mail, but Envision Bank shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient available funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through the Bill Payment Service. In the case of recurring payments, only the payment currently scheduled will be canceled. Recurring payments scheduled for future dates will not be affected. In the event you have sufficient funds to make some, but not all, of the bill payments scheduled for a particular payment date, Envision Bank may use such method as paying as many payments as possible in its sole discretion, may elect in determining which payments to complete.

You must schedule the Payment Initiation Date at least four (4) Business Days before any Payment Due Date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). If you do not, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If the actual due date falls on a non-Business Day, you must select a scheduled payment date that is at least one (1) Business Day prior.

If the session during which you schedule a payment or transfer ends by 7:00 p.m. EST, Envision Bank will be considered to have received it on that day. Otherwise, it will be considered received the following Business Day. For all entries made using the service, the time recorded by the Online Banking service controls.

You may cancel or change a scheduled payment by using the payment screens in the Bill Payment Service. Payments must be changed or canceled using the Bill Payment Service prior to 7:00 p.m. EST on the Business Day the transaction will be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we will charge you a stop payment fee to stop the bill payment. Stop payment orders, whether oral, written, or electronic, will be in effect for a period of six months. If requested by Envision Bank, you will confirm any stop payment order in writing within 14 days. After six months, any stop payment will terminate and must be renewed to continue in effect. Envision Bank may pay any item that is presented following the lapse of any stop payment order.


BILL PAYMENT GUARANTEE

Envision Bank reserves the right to refuse any transaction if the Bank believes such refusal is necessary for security reasons, without any liability for damages or fees. However, if we do not properly complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will reimburse you for any late payment fees or penalties you are charged up to a maximum of $50.00 per scheduled payment. In order for you to be eligible for reimbursement, you must meet each of the following conditions:

• You must properly schedule the payment to be initiated on a date at least four (4) Business Days prior to the bill’s actual due date. This means that you must initiate a Single Payment before 7:00 p.m. Eastern Standard Time on a Business Day at least four (4) days prior to the bill’s actual due date. For recurring payments, this means that you must allow additional time for months in which weekends or holidays reduce the number of Business Days between the recurring Payment Initiation Date and the bill’s actual due date.

• You must provide us with the correct Payee name, address, phone number and account information, and with the correct payment amount.

• On the Payment Initiation Date your checking account must contain sufficient available funds, including overdraft lines of credit, to complete the payment.

• The late payment fee or penalty, or the method of its calculation, must be published by the payee prior to the bill’s actual due date.

• The Service will not process any payments less than $1.00 or greater than $99,999.99

• You can schedule a Payment Due Date up to a year in advance.


LIMIT OF ENVISION BANK’S RESPONSIBILITY

Envision Bank agrees to make reasonable efforts to ensure full performance of Online Banking.  Envision Bank will be responsible for acting only on those instructions sent through Online Banking which are actually received, and cannot assume responsibility for circumstances over which the bank has no direct control. This includes but not limited to, the failure or malfunctions in communication facilities, which may affect the accuracy or timeliness of messages you send. Envision Bank is not responsible for any losses should you give incorrect instructions, or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service.

Any information you receive from Envision Bank is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. Envision Bank is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information.

Envision Bank is not responsible for any fees incurred for Internet access, or for any computer virus or related problems that may be attributable to services provided by any Internet access service provider.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking. Envision Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software.

The limit of Envision Bank’s liability shall be as expressly set forth herein. Under no circumstances will Envision Bank be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable. By consenting to use the Services, you agree to waive any and all right to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein.

ELECTRONIC MAIL (EMAIL)

We strongly caution against using your regular email account to correspond with the bank regarding many types of account inquiries and do not recommend using your account numbers or sensitive information in unsecured email. Online Banking provides access to a secure web mail portal through which you can contact Envision Bank customer service personnel about specific account issues.

If you send Envision Bank an electronic mail message through the Service, Envision Bank will be deemed to have received it on the following Business Day. Emails will be answered within a reasonable timeframe.

You should not rely on electronic mail if you need to communicate with Envision Bank immediately (e.g., if you need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur).

You agree that Envision Bank may respond to you by electronic mail regarding any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by Envision Bank shall be considered received within three (3) days of the date sent by Envision Bank, regardless of if you sign on to the Service within that time frame.

OTHER AGREEMENTS

In addition to this Agreement, you and Envision Bank agree to be bound by and comply with the requirements of the agreements applicable to each of your Online Accounts. Your use of Online Banking service or the Online Bill Payment Service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures received by you when you open your accounts at Envision Bank, including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedule at the end of this Agreement. We will automatically deduct any fees related to this Service from your Bill Pay Account each month. All terms and conditions of the disclosures provided to you at account opening, including but not limited to, the Truth in Savings, Regulation E Disclosure, Depositor’s Agreement and Terms and Conditions apply to this Service.

MODIFICATIONS TO THIS AGREEMENT

Envision Bank may modify the terms and conditions applicable to either Service from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records, and the revised terms and conditions shall be effective at the earliest date allowed by applicable law. We may send any notice to you via electronic mail and you will have been deemed to have received it three (3) days after it is sent. We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.

INACTIVITY / TERMINATION

You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the deposit accounts which you access using electronic banking services. We can terminate your Online Banking privileges (including the Bill Payment Service) under this Agreement without notice to you for any reason; or if you do not pay any fee required by this Agreement when due, if you do not comply with the Agreement governing your deposit or loan accounts, or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services for any other reason.

If you are not paying a monthly service charge for the Service, we may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 90-day period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service.

To cancel the Online Banking and/or Bill Payment Service, you must notify Envision Bank. Your notification should include your name, address and the effective date to stop the service(s). When Bill Payment is terminated, any pre-scheduled bill payments made through Online Banking will also be terminated. Your final charge for the Bill Payment Service will be assessed at the end of your statement cycle. You may notify Envision Bank by one of the following methods:
call us at:
877-963-2100
or write to us at:
Envision Bank
10 Cabot Place
Stoughton, MA 02072
Or by initiating a customer inquiry through our Web site at:
www.envisionbank.com


GOVERNING LAW

This Agreement is governed by the laws of the Commonwealth of Massachusetts and applicable federal law(s).


SCHEDULE OF FEES

Envision Bank offers the benefits and convenience of the Online Banking service to you at no monthly charge. Account research, stop payment charges and Bill Pay Services will be assessed at the rates published in Envision Bank’s Schedule of Fees and deducted from your Online Bill Pay Account or another account you hold at Envision Bank.

These fees are subject to change. Envision Bank will notify you in writing regarding any fee changes at least thirty (30) days in advance of the effective date of these changes.


ELECTRONIC FUND TRANSFER DISCLOSURE

For purposes of this disclosure and agreement the terms “we”, “us” and “our” refer to Envision Bank. The terms “you”, “your” refer to the recipient of this disclosure and agreement.
The Electronic Fund Transfer Act and Regulation E require institutions to provide certain information to customers regarding electronic fund transfers (EFTs). This disclosure applies to any EFT service you receive from us related to an account established primarily for personal, family or household purposes. Examples of EFT services include direct deposits to your account, automatic regular payments made from your account to a third party and one-time electronic payments from your account using information from your check to pay for purchases or to pay bills. This disclosure also applies to the use of your ATM Card or ENVISION BANK Debit MasterCard at automated teller machines (ATMs) and any networks described below.

TERMS AND CONDITIONS. The following provisions govern the use of electronic fund transfer (EFT) services through accounts held by Envision Bank which are established primarily for personal, family or household purposes. If you use any EFT services provided, you agree to be bound by the applicable terms and conditions listed below. Please read this document carefully and retain it for future reference.


ELECTRONIC FUND TRANSFER SERVICES PROVIDED

SERVICES PROVIDED THROUGH USE OF ATM CARD OR ENVISION BANK DEBIT MASTERCARD
If you have received an electronic fund transfer card (“ATM Card” or “ENVISION BANK Debit MasterCard”) from us you may use it for the type(s) of services noted below, and the following provisions are applicable:

USING YOUR CARD AND PERSONAL IDENTIFICATION NUMBER (“PIN”). In order to assist us in maintaining the security of your account and the terminals, the ATM Card or ENVISION BANK Debit MasterCard remains our property and may be revoked or canceled at any time without giving you prior notice. You agree not to use your ATM Card or ENVISION BANK Debit MasterCard for a transaction that would cause your account balance to go below zero, or to access an account that is no longer available or lacks sufficient funds to complete the transaction, including any available line of credit. We will not be required to complete any such transaction, but if we do, we may, at our sole discretion, charge or credit the transaction to another account; you agree to pay us the amount of the improper withdrawal or transfer upon request.
Your ATM Card may only be used with your PIN. Certain transactions involving your ENVISION BANK Debit MasterCard require use of your PIN. Your PIN is used to identify you as an authorized user. Because the PIN is used for identification purposes, you agree to notify Envision Bank immediately if your ATM Card or ENVISION BANK Debit MasterCard is lost or if the secrecy of your PIN is compromised. You also agree not to reveal your PIN to any person not authorized by you to use your ATM Card or ENVISION BANK Debit MasterCard or to write your PIN on your ATM Card or ENVISION BANK Debit Master Card or on any other item kept with your ATM Card or ENVISION BANK Debit MasterCard. We have the right to refuse a transaction on your account when your ATM Card or ENVISION BANK Debit MasterCard or PIN has been reported lost or stolen or when we reasonably believe there is unusual activity on your account.
The security of your account depends upon your maintaining possession of your ATM Card or ENVISION BANK Debit MasterCard and the secrecy of your PIN. You may change your PIN if you feel that the secrecy of your PIN has been compromised. You may change your PIN by telephone or at any branch location.

ATM SERVICES

ATM CARD SERVICES. The services available through use of your ATM Card are described below.
You may withdraw cash from your checking account(s), money market account(s), and statement savings account(s).
You may make deposits into your checking account(s), money market account(s), and statement savings at ENVISION BANK ATM’s.
You may transfer funds between your checking and statement savings account(s), and statement savings & money market account(s).
You may make balance inquiries on your checking account(s), money market account(s), and statement savings account(s).

ENVISION BANK DEBIT MASTERCARD SERVICES. The services available through use of your ENVISION BANK Debit MasterCard are described below.
You may withdraw cash from your checking account(s), and statement savings account(s).
You may make deposits into your checking account(s), and statement savings at ENVISION BANK ATM’s.
You may transfer funds between your checking and statement savings account(s).
You may make balance inquiries on your checking account(s), and statement savings account(s).

NETWORK. Your ability to perform the transactions or access the accounts set forth above depends on the location and type of ATM you are using and the network through which the transaction is being performed. A specific ATM or network may not perform or permit all of the above transactions.
Besides being able to use your ATM Card or ENVISION BANK Debit MasterCard at our ATM terminals, you may access your accounts through the following network(s): NYCE and CIRRUS or any other networks that may be added from time to time.

ATM FEES. 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.

POINT OF SALE TRANSACTIONS
You may use your ENVISION BANK Debit MasterCard to purchase goods and services from merchants that have arranged to accept your ENVISION BANK Debit MasterCard as a means of payment (these merchants are referred to as “Participating Merchants”). Some Participating Merchants may permit you to receive cash back as part of your purchase. Purchases made with your ENVISION BANK Debit MasterCard, including any purchase where you receive cash, are referred to as “Point of Sale” transactions and will cause your “designated account” to be debited for the amount of the purchase. The designated account for ENVISION BANK Debit MasterCard transactions is your checking account.

With your ENVISION BANK Debit MasterCard you may access your checking account(s) to purchase goods (in person, by telephone, or by computer).
In addition, your ENVISION BANK Debit MasterCard may be used at any merchant that accepts MasterCard® debit cards for the purchase of goods and services. Your card may also be used to obtain cash from your designated account at participating financial institutions.
Each time you use your ENVISION BANK Debit MasterCard, the amount of the transaction will be debited from your designated account. We have the right to return any check or other item drawn against your account to ensure there are funds available to pay for the ENVISION BANK Debit MasterCard transactions. We may, but do not have to, allow transactions which exceed your available account balance or available overdraft protection. If we do, you agree to pay the overdraft. You also agree to pay overdraft charges in effect from time to time for each transaction which causes your available account balance or available overdraft protection to be exceeded.

CURRENCY CONVERSION – MasterCard®. If you perform transactions with your card with the MasterCard® logo in a currency other than US dollars, MasterCard International, Inc., will convert the charge into a US dollar amount. At MasterCard International they use a currency conversion procedure, which is disclosed to institutions that issue MasterCard®. Currently the currency conversion rate used by MasterCard® International to determine the transaction amount in US dollars for such transactions is generally either a government mandated rate or 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 on the purchase date or the cardholder statement posting date.

IMPORTANT ADDITIONAL FEE NOTICE: When you use your debit card at a merchant that settles in currency other than U.S. dollars, the charge will be converted into the U.S. dollar amount. You will be charged a 1.00% currency conversion fee for the currency conversion. We have no control over either the exchange rate or the date or place of the exchange. Additionally, we have no control over any additional foreign currency conversion fee that may be charged by a particular card association or network. We may also employ additional security procedures if you use your card at a location outside the U.S.

SERVICES PROVIDED THROUGH USE OF TELEPHONE BANKING
You may perform the following functions through use of Telephone Banking.
You may initiate transfers of funds between your checking and money market accounts, checking and statement savings account(s), and statement savings & money market account(s).
You may make balance inquiries on your checking account(s), savings account(s), money market account(s), and loan account(s).
You may make payments on consumer loans, and home mortgage loans that you have with us.
In addition, you may perform other transactions such as get information about the last five deposits to checking, savings or money market account(s) and get information about the last five withdrawals from checking, savings, or money market account(s).

PREAUTHORIZED TRANSFER SERVICES
You may arrange for the preauthorized automatic deposit of funds to your checking account(s), savings account(s), and money market account(s).
You may arrange for the preauthorized automatic payment of bills from your checking account(s), money market account(s), and statement savings account(s).

SERVICES PROVIDED THROUGH USE OF ONLINE BANKING
Envision Bank offers its customers use of our Online Banking service.
You may access your account(s) by computer 24 hours a day by logging onto our website at www.envisionbank.com and using your user ID and password to:
• Transfer funds between your checking and statement savings account(s), checking and money market account(s), and statement savings and money market account(s).
• Make payments on consumer loans and home mortgage loans you have with us.
• Make payments from checking to third parties using the Bill Pay feature.
• Get information about the account balance of checking, savings, money market, CD, and loan account(s).
• Get information about the last 60 days of activity on checking, savings, or money market account(s).

ELECTRONIC CHECK CONVERSION
You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or to pay bills.
The merchant or other payee will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check by means such as by mail or drop box.
Electronic Returned Check Charge: Some merchants or other payees will initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.

LIMITATIONS ON TRANSACTIONS

TRANSACTION LIMITATIONS – ATM CARD
CASH WITHDRAWAL LIMITATIONS – You may withdraw up to $500.00 through use of ATMs in any one day.

TRANSACTION LIMITATIONS – ENVISION BANK DEBIT MASTERCARD
CASH WITHDRAWAL LIMITATIONS – You may withdraw up to $750.00 through use of ATMs in any one day.
POINT OF SALE LIMITATIONS – You may buy up to $1,500.00 worth of goods or services in any one day through use of our Point of Sale service.

OTHER LIMITATIONS
We reserve the right to impose limitations for security purposes at any time.
The terms of your account(s) may limit the number of withdrawals you may make each month. Restrictions disclosed at the time you opened your account(s), or sent to you subsequently will also apply to your electronic withdrawals and electronic payments unless specified otherwise.

LIMITS ON TRANSFERS FROM CERTAIN ACCOUNTS. Federal regulation limits the number of checks, telephone transfers, online transfers and preauthorized electronic transfers to third parties (including Point of Sale transactions) from money market and savings type accounts. You are limited to six such transactions from each money market and/or savings type account(s) you have each statement period for purposes of making a payment to a third party or by use of a telephone or computer

NOTICE OF RIGHTS AND RESPONSIBILITIES
The use of any electronic fund transfer services described in this document creates certain rights and responsibilities regarding these services as described below.

RIGHT TO RECEIVE DOCUMENTATION OF YOUR TRANSFERS
TRANSACTION RECEIPTS. Depending on the owner of an ATM, you may not be given the option to receive a receipt if your transaction is less than $15.00. Upon completing a transaction of $15.00 or more, you will receive a printed receipt documenting the transaction (unless you choose not to get a paper receipt). These receipts (or the transaction number given in place of the paper receipt) should be retained to verify that a transaction was performed. A receipt will be provided for any transaction of more than $15.00 made with your ATM Card or ENVISION BANK Debit MasterCard at a Participating Merchant. If the transaction was $15.00 or less, the Participating Merchant is not required to provide a receipt.

PERIODIC STATEMENTS. If your account is subject to receiving a monthly statement, all EFT transactions will be reported on it. If your account is subject to receiving a statement less frequently than monthly, then you will continue to receive your statement on that cycle, unless there are EFT transactions, in which case you will receive a monthly statement in any case you will receive your statement at least quarterly.

PREAUTHORIZED DEPOSITS. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company:
• The person or company making the deposit will tell you every time they send us the money.
• You can call us at 877-963-2100 to find out whether or not the deposit has been made.

PASSBOOK ACCOUNTS. If the only type of electronic fund transactions are preauthorized deposits you will not receive a statement for your Passbook account. If you bring your Passbook to us, we will record any electronic deposits that were made to your account since the last time you brought in your Passbook. You will not receive a periodic statement noting these transactions on your Passbook account.

DOCUMENTATION AS EVIDENCE OF TRANSFER. Any documentation that is provided to you which indicates that an electronic fund transfer was made shall be admissible as evidence of such transfer and shall constitute prima facie proof that such transfer was made to another person.

RIGHTS REGARDING PREAUTHORIZED TRANSFERS
RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment,
Call us at:
877-963-2100
or write to:
Envision Bank
10 Cabot Place
Stoughton, MA 02072
We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may require you to put your request in writing and deliver it to us within fourteen (14) days after you call.

YOUR ABILITY TO STOP PAYMENT. Unless otherwise provided in our Agreement, you may not stop payment of electronic fund transfers, therefore you should not employ electronic access for purchases or services unless you are satisfied that you will not need to stop payment.
The initiation by you of certain electronic fund transfers from your account will, except as otherwise provided in our Agreement, effectively eliminate your ability to stop payment of the transfer.

NOTICE OF VARYING AMOUNTS. If you have arranged for automatic periodic payments to be deducted from your checking account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead to get 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.

OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses or damages.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT
If you believe your ATM Card or ENVISION BANK Debit MasterCard or PIN or internet banking access code has been lost or stolen, call us at:
877-963-2100 (M-F 7AM-7PM, S 8AM-2PM)
or write to:
Envision Bank
10 Cabot Place
Stoughton, MA 02072
You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

CONSUMER LIABILITY
Tell us at once if you believe your ATM Card or ENVISION BANK Debit MasterCard or PIN or internet banking access code has been lost or stolen or used without permission or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down.
Your liability shall not exceed $50.00 for any unauthorized electronic fund transfer or a series of transfers arising from a single loss or theft of your ATM Card or ENVISION BANK Debit MasterCard or PIN.
Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within 60 days after the statement was transmitted 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.

CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING ENVISION BANK DEBIT MASTERCARD
The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with the MasterCard® logo. These limits apply to unauthorized transactions processed on the MasterCard® network.

If you promptly notify us about an unauthorized transaction involving your card and the unauthorized transaction took place on your MasterCard branded card, including any PIN-based ATM or POS transactions, zero liability will be imposed on you for the unauthorized transaction. In order to qualify for zero liability protection, you must have exercised reasonable care in safeguarding your card from the risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. For commercial accounts, zero liability protection will only apply to transactions conducted with a card issued for commercial purpose under a “small business” program as described on www.mastercardbusiness.com (information found under “Small Business”, then select the “Products” tab).

ILLEGAL USE OF ENVISION BANK DEBIT MASTERCARD. You agree not to use your ENVISION BANK Debit MasterCard for any illegal transactions, including internet gambling and similar activities.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS
In case of errors or questions about your electronic fund transfers,
call us at:
877-963-2100
or write to:
Envision Bank
10 Cabot Place
Stoughton, MA 02072
or e-mail us at customerservice@envisionbank.com
or use the current information on your most recent account statement.
Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact Envision Bank no later than 60 days after it sent you the first statement on which the problem or error appears. You must be prepared to provide the following information:
• Your name and account number.
• A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information.
• The dollar amount of the suspected error.
If you provide oral notice, you may be required to send in your complaint or question in writing within ten (10) business days.
We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days for new accounts and foreign initiated Point of Sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) days for new accounts) for the amount which you think is an error, so that you will have the use of the money during the time it takes 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 account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) days after the first deposit to the account is made, including those for foreign initiated or Point of Sale transactions.
We will tell you the results within three (3) 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.

LIABILITY FOR FAILURE TO COMPLETE TRANSACTION
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as provided by law. However, there are some exceptions. We will NOT be liable, for instance:
• If through no fault of ours, you do not have enough money in your account to make the transfer.
• If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.
• If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.
• If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.
• If we have terminated our Agreement with you.
• When your ATM Card or ENVISION BANK Debit MasterCard has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.
• If we receive inaccurate or incomplete information needed to complete a transaction.
• In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.
• If the funds in the account are subject to legal action preventing a transfer to or from your account.
• If the electronic terminal does not have enough cash to complete the transaction.
There may be other exceptions provided by applicable law.

CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS
Envision Bank is a member of the SUM ATM group, in which member banks waive ATM surcharge fees for the customers of other member banks. Depending on the type of account you have, you may be charged a fee from Envision Bank for using a non-Envision Bank ATM. Please refer to our Consumer Schedule of Fees.

DISCLOSURE OF ACCOUNT INFORMATION
You agree that the merchant authorization messages transmitted in connection with Point of Sale transactions are permissible disclosures of account information, and you further agree to release Envision Bank and hold it harmless from any liability arising out of the transmission of these messages.
We will disclose information to third parties about your account or electronic fund transfers made to your account:
• Where necessary to complete a transfer or to investigate and resolve errors involving the transfer(s); or
• In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant; or
• To an attorney or collection agency employed by us; or
• In order to comply with government agency or court orders; or
• When the person is authorized to have access to our records as part of their official duties; or
• With your written consent that expires forty-five days after receipt by us.

PROTECTED CONSUMER USE
Chapter 167B of the Massachusetts General Laws was enacted to provide a means for financial institutions, businesses, and consumers to conduct their business relations more conveniently. Transferring funds electronically will supplement the use of checks, credit, and cash and will not replace these present methods of doing business. As a consumer, you should be aware of your rights if you choose to utilize this system.
1. Prohibition of compulsory use. No person may: require you to use a preauthorized electronic fund transfer as a condition of the extension of credit unless the credit is being extended in connection with an overdraft checking plan, or is being extended to maintain a specified balance in your account, or require you either to accept a transfer service or to establish an account, which is accessed electronically as conditions of employment or receipt of governmental benefit, or require you to pay electronically for the purchase of goods or services. If your account is to be credited by a preauthorized transfer you may choose the financial institution to which the transfer may be made, if the institution is technically capable of receiving the preauthorized transfer.
2. Waiver of rights. No writing or agreement signed by you can waive the rights conferred to you by Chapter 167B of the Massachusetts General Laws unless you decide to waive these rights in settlement of a dispute or action.
3. Refunds. If it is the policy of a store or retail business to give cash refunds in return for an item purchased by cash, then this policy must also cover refunds for items purchased by electronic fund transfer unless it is clearly disclosed at the time the transaction is consummated that no cash or credit refunds are given for payments made by electronic fund transfers.
4. Suspension of obligations. If a person agrees to accept payment by means of an electronic fund transfer and the system malfunctions preventing such a transfer, then the consumer’s obligation is suspended until the transfer can be completed, unless that person, in writing, demands payment by other means.
5. Prohibited means of identification. Your Social Security number cannot be used as the primary identification number although it can be used as a secondary aid to identify you.
6. Criminal liability. Procuring or using a card, code or other means of electronic access to an account with the intent to defraud is a basis for criminal liability.

DEFINITION OF BUSINESS DAY
Business days are Monday through Friday excluding holidays.

AMENDING OR TERMINATING THE AGREEMENT
We may change or amend any of the terms and conditions of the Agreement and those portions of the applicable fee schedules which relate to EFT services, at any time upon at least 30 days written notice to you prior to the effective date of the change or amendment. Your failure to timely furnish notice as set forth in the written notice shall be deemed to be your acceptance of such change or amendment. If you do not agree to abide by a change or amendment, you must notify Envision Bank of the fact prior to the effective date of the change or amendment and cancel this Agreement. Envision Bank may cancel this Agreement at any time, without giving you prior notice. If you or Envision Bank cancels this Agreement at any time, you shall surrender any card and you may no longer use any of Envision Bank’s EFT services other than automated clearing house transfer services. 

TERMINATION. You may terminate your right to any of the services that you have agreed to under this Agreement by giving us written notice. For preauthorized transfers, you must terminate any agreement authorizing transfers to or from your account by notifying the person or company initiating the transfer. You will remain obligated to us under this Agreement for all of your transactions, even if they occur or are completed after this Agreement has ended. Termination of your electronic fund transfer service does not terminate your account(s) with us. Closing the account to which the service relates simultaneously terminates your electronic fund transfer service. We may terminate any of the services that have been agreed to under this Agreement for any reason and at any time without prior notice to you. If the account is a joint account, any owner of the account may terminate this Agreement, and the termination will apply to all joint owners on the account. If either you or we terminate your services under this agreement, we will no longer have to complete any of your electronic fund transfers.

NOTICE OF ATM SAFETY PRECAUTIONS
SAFETY PRECAUTIONS FOR ATM TERMINAL USAGE. Please keep in mind the following basic safety tips whenever you use an ATM:
• Have your ATM or ENVISION BANK Debit MasterCard ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms (envelopes) at home for this purpose.
• If you are new to ATM usage, use machines close to or inside a financial institution until you become comfortable and can conduct your usage quickly.
• If using an ATM in an isolated area, take someone else with you if possible. Have them watch from the car as you conduct your transaction.
• Do not use ATMs at night unless the area and machine are well-lighted. If the lights are out, go to a different location.
• If someone else is using the machine you want to use, stand back or stay in your car until the machine is free. Watch out for suspicious people lurking around ATMs, especially during the times that few people are around.
• When using the machine, stand so you block anyone else’s view from behind.
• If anything suspicious occurs when you are using a machine, cancel what you are doing and leave immediately. If going to your car, lock your doors.
• Do not stand at the ATM counting cash. Check that you received the right amount later in a secure place, and reconcile it to your receipt then.
• Keep your receipts and verify transactions on your account statement. Report errors immediately. Do not leave receipts at an ATM location.

ADDITIONAL PROVISIONS
Your account is also governed by the terms and conditions of other applicable agreements between you and Envision Bank.
You agree not to reveal your PIN to any person not authorized by you to access your account.
Please refer to the Truth in Savings Disclosures for further information on accounts accessible through Electronic Fund Transfers.

Last Revised July 31, 2017