SEAMEN’S BANK

ONLINE SERVICES AGREEMENT AND DISCLOSURE

This Online Services Agreement and Disclosure (the “Agreement”) is entered into between Seamen’s Bank (the “Bank”) and the undersigned customer of the Bank, who hereby subscribes to Seamen’s Bank Online Banking and, if requested and approved, Bill Payment Services (“online services”). This Agreement contains the terms and conditions governing the online services. The customer is referred to in this Agreement as “you” or “your”. The Bank is referred to in this Agreement as “Bank”, “we”, “us”, and/or “our”. If you use the online service or permit another to use the online service on your behalf, you agree to the terms and conditions stated in this Agreement.

1. SCOPE OF AGREEMENT

1.1 Other Accounts, Loan Agreements and Services.

This Agreement governs online access to your accounts with the Bank. The terms and conditions set forth herein are in addition to, and do not cancel or supersede, any other agreements or signature cards governing your deposits, loans or other business relationships with the bank. All the terms, conditions, agreements, representations, schedules, disclosures, and fees set forth in or associated with such other agreements and signature cards remain in full force and effect. However, the persons you authorize to have access to and make transfers or payments from your account(s) through the online service may not be the same persons who are authorized to sign on the account under your other agreements and signature cards with us, or you may give them greater authority to conduct activities through the online service than they have under your other agreements and signature cards with us. In cases where your authorizations to other persons do not coincide with your authorizations for the same account(s) under the signature card agreement(s), the signature card agreement(s) will govern the online service transactions.

1.2 Fee Schedules

The current fee schedule is available at (www.seamensbank.com). The fees and service charges provided for in your deposit, line of credit, loan, and other agreements with us, as described in your account Agreement(s), may apply to services ordered online. Subject to any applicable notice requirements imposed by the Electronic Fund Transfer Act (“EFTA”) and Regulation E (“Reg. E”), the Bank may change or add any fees, modify the instructions for the online service, or otherwise amend this Agreement in whole or in part at any time.

1.3 Termination

Either you or the Bank may terminate this Agreement at any time upon giving written notice of the termination to the other party. Termination will not affect any liability or obligation of either party incurred hereunder prior to termination. For reasonable cause, including inactivity or excessive, inappropriate or unlawful usage, the Bank reserves the right to terminate this Agreement and your access to the online service, in whole or in part, at any time without prior notice to you. Upon termination, we reserve the right to make no further transfers or payments from your account(s) pursuant to this Agreement, including payments or transfers you have previously authorized. If you terminate your online services, you authorize the Bank to continue making transfers you have previously authorized until such time as the Bank has had a reasonable opportunity to act upon your termination notice. You agree that upon termination of your online services, either by you or by us, you will cancel all automatic or recurring transfers you have previously authorized, and that if you fail to do so, you are responsible for such payments.

2. DESCRIPTION OF AND LIMITATIONS ON THE ONLINE SERVICE

2.1 General Description of Online Services.

In general, the Online Banking service package enables you to:

• search transaction histories and obtain balance information on accounts with the Bank which may include checking, NOW, savings, money market savings, certificates of deposit, loans, and lines of credit.
• transfer funds between your transaction accounts at the Bank.
• transfer funds between your transaction accounts at the Bank and external accounts at other financial institutions.
• make payments on your loan accounts at the Bank.
• communicate with bank staff through a secure message facility.

The Bill Pay service enables you to:

• electronically request one-time or recurring payments to be made from your primary checking account or other funding account to nearly any person, organization or company in or doing business in the United States
• view pending payments and payment history

This list is not exhaustive, and the Bank may offer additional or different online services in the future, all of which will be governed by this Agreement, as amended. The Online Banking and Bill Pay services are often collectively referred to in this agreement as “online services”.

2.2 Types of Transfers and Limitations.

You can make an internal transfer of funds from one account with the Bank to another, such as a transfer from a savings account to a checking account. Transfers may be limited in amount as provided in our agreements with you governing these services or in accordance with bank policies. The Bank reserves the right to further limit the frequency and dollar amount of transactions from your accounts for security or credit reasons, as the Bank may determine at any time at its sole discretion.

2.3 Overdrafts; Order of Payments

It is your responsibility to ensure that you have enough money or credit available in an account from which you instruct us to make transfer or payment. If funds are withdrawn from any of your accounts by means of electronic fund transfers, other than through the online service on the same business day as the online service transaction, and if the account contains insufficient funds to enable both the electronic fund transfer and the online service transfer to be made, the transfers will be made in the order determined by the Bank, at its sole discretion. You are fully obligated to us to provide sufficient funds for any payments or transfers you make or authorize to be made. If we complete a payment or transfer that you make or authorize and we subsequently learn that you have insufficient funds for the transaction, you agree to reimburse us upon our demand, and you further agree that we may reverse the transaction or offset the shortage with funds from any other deposit account(s) you have with us to the extent permitted by the applicable law and the terms of any other relevant agreements.

2.4 Bill Payment Service

The Bill Payment service, or “Bill Pay” is an optional electronic payment system that permits you to initiate and authorize payments from your checking account(s) to payees, which you have selected in advance, to receive payments by means of this service (a “payee” is a person, organization, or business you are paying). To participate in Bill Pay you must be a customer in good standing and have a checking account (regular or NOW) with Seamen’s Bank and access to our Online Banking service. The Bill Pay service can be accessed only via Online Banking and is a separate service made available to you after your enrollment online and Bank approval of that enrollment. It will not need an additional User ID or Password. For Bill Pay, you will be required to designate one checking account as your primary account. Any service fees as well as payments you instruct us to make to payees will be charged to your primary account. You may request additional funding accounts by contacting us.

2.5 Computer Requirements

To use Online Banking and Bill Pay, you must have an Internet Service Provider and a computer containing supported browser software or have access to such a computer. In this Agreement, your computer and the related equipment and software are referred to together as your “Computer”. You are responsible for the installation, maintenance, and operation of your computer and your software.

2.6 Registration Process

To obtain access to and use Online Banking, you must complete our initial online registration process from a link on the Bank’s website (www.seamensbank.com).

2.7 User ID and Security

You may change your User ID or Password at any time via the Online Banking service. We will clear your User ID and/or assign you a new Password upon your request at any time. Any Password we assign you will be usable only once, and you will be required to change it the first time you use it to enter the system.

You will need your User ID and Password (“login credentials”) to gain access to Online Banking. The use of your login credentials is the agreed security procedure between you and the Bank. YOU ARE RESPONSIBLE FOR KEEPING YOUR USER ID, PASSWORD AND ACCOUNT DATA CONFIDENTIAL. You should keep your login credentials confidential to prevent unauthorized use of Online Banking and, if applicable, the Bill Pay service. Anyone to whom you give or disclose your login credentials, either deliberately or inadvertently, will have access to your accounts. You are responsible for all transactions against your account(s) made using Online Banking or Bill Pay, including any transactions that may be unintentionally or inadvertently authorized or made, and any losses, charges, or penalties incurred as a result. In addition, except as otherwise provided in this Agreement, you are responsible for transactions by unauthorized persons using your login credentials.

We reserve the right to deactivate any User ID that has been “inactive” for a period of one (1) year or more. If your User ID has been deactivated, you will be required to go through the registration process again to restore access to Online Banking. You may not receive advance notice of User ID deactivation.

2.8 Reporting Unauthorized Transaction or Theft or Loss of User IDs.

If you believe that an unauthorized transaction has been or may be made from your account, alert the Bank immediately by calling us at 855-227-5347 or write us at: Seamen’s Bank, PO Box 74, North Truro, MA 02652

2.9 No Signature Required.

When using Online Banking, you agree that the Bank, without prior notice to you, may execute transfers between accounts or payments against loans as instructed by you using the online service, without securing your signature by hand or by legally acceptable form of electronic signature. If using Bill Pay, you agree that the Bank, without prior notice to you, may debit your primary account to pay checks that you have not signed by hand or by legally acceptable form of electronic signature.

3. RESPONSIBILITY OF PARTIES

3.1 Confidentiality and Access to the Online Service

The Bank shall exercise due care in seeking to preserve the confidentiality of your User ID and to prevent access to the online service in general and your accounts by unauthorized persons. It is understood and agreed that implementation by the Bank of its normal procedures for maintaining the confidentiality of information relating to its customers and preventing unauthorized transactions shall constitute fulfillment of its obligation to exercise due care. The Bank shall not be under any liability or have any responsibility of any kind for any loss incurred or damage suffered by you by reason or in consequence of any unauthorized person gaining access to or otherwise making use of your accounts through the online service if (i) the Bank has fulfilled its obligation of due care, or (ii) the loss or damage could have been avoided had you promptly notified the Bank when you received knowledge or notice of an unauthorized transaction or other breach of security, or (iii) the unauthorized transaction was a transfer of funds to an account owned by you or by any person or entity which controls, is controlled by, or is under common control with you. You assume full responsibility for the consequences of any misuse or unauthorized use of or access to the online service system or disclosure of any of your confidential information or instructions by your employees, agents or other third parties. When the Bank becomes aware of any unauthorized access to your accounts, it will advise you as promptly as practical thereafter. For all purposes above, “promptly” shall generally be defined as within two (2) business days after discovery of the unauthorized access.

3.2 Hardware and Software Malfunctions

The risk of error, failure, incompatibility or nonperformance of your computer system is your risk and includes the risk that you do not operate your computer or your software correctly. The Bank is not responsible for any errors or failures from any malfunction of your computer or your software. The Bank shall have no liability to you for any damage or other loss, direct or consequential, which you may suffer or incur by reason of your use of your computer or your software. THE BANK MAKES NO WARRANTY TO YOU REGARDING YOUR COMPUTER OR YOUR SOFTWARE, INCLUDING ANY WARRANTY OF MERCHANTIBILITY OR FITNESS FOR A PARTICULAR PURPOSE. The Bank makes no representations or warranties regarding the accuracy, functionality, or performance of any third-party software that may be used in connection with the online service (e.g., Quicken, Microsoft Money).

The Bank is not responsible for nor shall have any liability for any loss or damage, direct or consequential, from electronic viruses, worms, trojans, keystroke loggers, spyware or any other “malware” that you may encounter on your computer using your internet access provider or on any computer system with which you choose to access the Bank’s online services. WE STRONGLY ENCOURAGE YOU TO INSTALL, PROPERLY USE, AND KEEP UP-TO-DATE ANTI-VIRUS, ANTI-SPAM, ANTI-SPYWARE AND FIREWALL SOFTWARE AND/OR HARDWARE PRODUCTS FROM RELIABLE, REPUTABLE PROVIDERS TO PROTECT YOUR COMPUTER’S ONLINE SECURITY.

3.3 Limitation of Liability

IN NO EVENT SHALL THE BANK BE LIABLE FOR SPECIAL, INDIRECT, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL LOSS OR DAMAGE OF ANY KIND INCLUDING LOST PROFITS WHETHER OR NOT THE BANK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE.

4. MISCELLANEOUS

4.1 Periodic Statements

Your online service payments and transfers will be indicated on the normal periodic statements we provide or make accessible by mail or delivery service. You have a right under federal law to receive such statements for accounts governed by the EFTA and Reg. E. We may also provide or make accessible to you statement information electronically or by some other means. You agree to notify us promptly if you change your address or if you believe there are errors or unauthorized transactions in any statement, or statement information.

4.2 Business Days and Hours of Operation

The Bank’s online services are generally available twenty-four (24) hours a day, seven (7) days a week. However, at certain times, some or all of the online services may not be available due to scheduled or unscheduled system maintenance. During these times, you may use the Bank, a Bank ATM or Telephone Banking to conduct your transactions. A transfer initiated through the online service before 5:00 P.M. (Eastern Time) on a Business Day is generally posted to your account the same day. Transfers completed after 5:00 P.M. (Eastern Time) on a Business Day or on a Saturday, Sunday or federal banking holiday will be posted on the next Business Day. Our Business Days are Monday through Friday.

4.3 Notices and Communications

Except as otherwise provided in this Agreement, all notices required to be sent to you will be effective when we mail or deliver them to the last known address that we have for you in our records. Notices from you will be effective when received by mail at the address specified in Section 2.8 above.

4.4 E-Mail Communications

In general, e-mail communications sent over the public internet via traditional e-mail systems are not necessarily secure. Therefore, the Bank will not send, and we strongly suggest that you do not send, any confidential personal or account information via traditional internet e-mail. We will not respond to account information related questions sent via internet e-mail. You agree that we may take a reasonable time to act on any e-mail request that you send, and that e-mail requests made regarding account information may be responded to with a Secure e-mail from the Bank.

The Bank’s Online Banking service includes a secure message system by which you and Bank staff can exchange confidential account information safely. These communications transpire inside the secure internet banking system and therefore do not pose the same confidentiality risk as regular e-mail over the public internet. We will respond to these communications within a reasonable time frame. Correspondence that requires expeditious handling (e.g., reporting an unauthorized transaction from one of your accounts) should be made by calling the bank or visiting the Bank in person.

4.5 Assignment

The Bank may assign its rights and delegate its duties under this Agreement to a company affiliated with the Bank or to any other party.

4.6 No Waiver

The Bank shall not be deemed to have waived any of its rights or remedies unless such waiver is in writing and signed by the Bank. No delay or omission on the part of the Bank in exercising its rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

4.7 Governing Law

Regardless of where you live or work or where and how you access the Bank’s online services, this Agreement will be governed by, and construed in accordance with, the laws of the Commonwealth of Massachusetts and the federal laws of the United States of America.

4.8 Enforcement

In the event the Bank brings legal action to enforce the Agreement or collect overdrawn funds on accounts accessed under the Agreement, the Bank shall be entitled, subject to applicable law, to payment by you of its reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable. If there is a lawsuit, you agree that it may be filed and heard in the Commonwealth of Massachusetts, if allowed by applicable law.

4.9 Severability

Should any part of this Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law as nearly as possible to reflect the original intent of the Agreement, and the remaining portions shall remain in full force and effect.

4.10 Disclosure of Account Information to Others

Disclosure of account information is covered in Seamen’s Bank’s Privacy Policy, available at (www.seamensbank.com/privacy-notice).

5. FUNDS TRANSFER SERVICE FOR ACCOUNTS SUBJECT TO THE ELECTRONIC FUNDS TRANSFER ACT

The EFTA and Reg. E may govern some of the accounts to which you have household access through the online service. In general, the EFTA and Reg. E govern accounts established by a natural person primarily for personal, family or household purposes. The following terms and disclosures apply to accounts governed by the EFTA and Reg. E (“EFTA Accounts”), and, with respect to EFTA Accounts, if there is any conflict between these disclosures and terms set forth elsewhere in this Agreement, these disclosures shall control. These disclosures do not apply to accounts that are not EFTA Accounts.

5.1 Customer Liability

You should notify the Bank immediately if you believe any of your accounts have been accessed or your User ID has been used without your permission. Contacting the Bank immediately, especially by telephone, will help you reduce your potential losses. If someone used your User ID and Password without your permission, you can lose no more than $50.00 if you notify the Bank within two (2) business days of discovering any unauthorized use. However, you can lose as much as $500.00 if you do not notify the Bank within two (2) business days of discovering the unauthorized use and the Bank can prove that it could have prevented the unauthorized use had it been notified.

5.2 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 methods of doing business. As a consumer, you should be aware of your rights if you choose to utilize this system.

a. Prohibition of compulsory use; no person may:

• Require you to use a preauthorized electronic fund transfer as a condition of 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 government benefits, 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 such preauthorized transfer.

b. 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.

c. 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.

d. 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.

e. Prohibited means of identification
Your Social Security Number cannot be used as the primary identification number although it can be used as secondary aid to identify you.

f. 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.

5.3 Preauthorized Payments

a. Right to stop payment and procedure for doing so:
If you have arranged in advance to make regular payments out of your account, you can stop any of these payments. Call or write to us at the telephone number or address listed in this disclosure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. 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. We charge $20.00 for each stop payment.

b. Notice of varying amounts:
If these regular payments vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (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.)

c. Liability for failure to stop payment of preauthorized transfer:
If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

5.4 Additional Information Required by Massachusetts Law

Any documentation provided to you, which indicates that an electronic fund transfer was made to another person, shall be admissible as evidence of the transfer and shall constitute prima-facie proof that the transfer was made. The initiation by you of certain electronic funds transfers from your account will effectively eliminate your ability to stop payment of the transfer. Unless otherwise provided in this agreement, you (the consumer) 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.

5.5 Bank’s Responsibility

The Bank is responsible for completing transfers on time according to your properly entered and transmitted instructions. However, the Bank will not be liable for completing transfers if, through no fault of ours, you do not have enough available money in the account from which a payment or transfer is to be made, if the account has been closed, frozen, or is not in good standing, or if we reverse payment or transfer because of insufficient funds; if any transfer exceeds the credit limit of any account or under the instructions of this Agreement; if you have not properly followed software or the online service instructions on how to make a transfer or other transaction; if you have not given the Bank complete, correct, and current instructions, account numbers, User IDs, or other identifying information so that the bank can properly credit your account or otherwise complete the transaction; if you receive notice from a merchant or other institution that any payment or transfer you have made remains unpaid or has not been completed, and you fail to notify us promptly of that fact; if withdrawals from any of your linked accounts have been prohibited by a court order such as a garnishment or other legal process; if your computer, your software, or the online service was not working properly and this problem should have been apparent to you when you attempted to authorize a transfer; if you, or anyone you allow, commits fraud or violates any law or regulation; if circumstances beyond the Bank’s control prevent making a transfer or payment, despite reasonable precautions that the Bank has taken. Such circumstances include, but are not limited to, telecommunications outages, third party provider malfunctions, postal strikes, delays caused by payees, fires, and floods. There may be other exceptions to the Bank’s liability as stated in the deposit, line of credit, and other Bank agreements. In addition, the Bank will not be liable for indirect, special, consequential, economic, or other damages arising out of the installation, use or maintenance of the online service and/or its related equipment, software, or online services.

5.6 Error Resolution

In case of Errors or Questions about Your Electronic Transfers, call or write us at the telephone number or address listed below, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent you the first statement on which the problem or error appeared.

If you do not tell us within 60 days, 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 may extend the time periods.

1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (or 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete the investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit if you are a new customer. We will tell you the results within three business days after completing our investigation. If we decide 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.

6. EXTERNAL TRANSFERS AGREEMENT

The External Transfer feature allows you to electronically transfer funds via the automated clearing house (“ACH”) between your eligible Seamen’s Bank accounts and YOUR External Account(s) at other financial institutions once you have successfully registered the External Account(s). This includes: one-time on-demand transfers, which allow you to initiate multiple, non-recurring, individual transfers based on the transfer date and dollar amount that you request through the Transfer Funds feature of Online Banking from time to time; and/or recurring transfers, which allow you to initiate recurring transfers of a set dollar amount at regular intervals that you have established through the Transfer Funds feature of Online Banking.

In using this service, you authorize Seamen’s Bank to initiate deposits and/or withdrawals to/from your eligible Seamen’s Bank accounts and each registered External Account indicated previously at the depository institution(s) named above and to deposit and/or withdraw to and from such accounts for (a) various amounts at varying times by making on-demand transfers pursuant to your instructions, and/or (b) for a fixed amount at the frequency you have selected by making recurring transfers pursuant to your instructions. If any transfer attempt falls late in the day or on a weekend or holiday, the transfer may be executed on the next business day.

You authorize Seamen’s Bank to validate the ownership of your accounts at external financial institutions through the use of a test transfer, in which one or more low-value payments will be credited or debited from your account at the other bank. You represent and warrant that you have all necessary rights, power and authority to debit and credit the Funding Account(s) identified, and that all information entered during the application process is complete and accurate. You agree that ACH transactions you authorize comply with all applicable law and the rules of the National Automated Clearing House Association (NACHA). You request the financial institution that holds your External Account to honor all transfers initiated in accordance with this agreement. External funds transfers are also subject to the rules and regulations governing the related accounts. You agree not to affect any external funds transfers from or to accounts that are not allowed under the rules or regulations applicable to such accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of OFAC regulations.

If funds transfer instructions identify a bank or beneficiary by name and account number, the relevant financial institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that such financial institutions may not investigate discrepancies between names and numbers. In addition, you agree that the Bank has no responsibility to investigate discrepancies between names and numbers.

Should an incorrect amount be withdrawn from or deposited to your Funding Account or your Seamen’s Bank account(s), you authorize Seamen’s Bank to correct the error by debiting/crediting your External Account(s) or your Seamen’s Bank account(s).

For security reasons, the Bank has established the following transfer limits: No more than 5 debit or 5 credit transactions per day, with a maximum allowable transfer amount per day of $5,000. The Bank reserves the right to change your External Transfer dollar limit at any time. If the Bank decreases the dollar limit, you will be notified as required by law, but the Bank may not notify you if they are restricting your transfer limits for security purposes or because of excessive overdrafts to your Seamen’s Bank account. In addition, a three (3)-day hold is placed on all incoming external transfers for new accounts (if the account is 30 days old or less).

The Bank reserves the right to decline any funds transfer requests, to submit funds transfer instructions or orders, to cancel funds transfer requests, or to conduct change or cancellation requests initiated by you. Any modifications to your authorization (e.g., addition of certain outside banks) must be made through Online Banking.

7. CONFIRMATION OF AGREEMENT

You agree to accept this Agreement and Disclosers in the electronic form presented. If you desire a copy and are unable to print a paper copy of this Agreement and Disclosures, you may request a paper copy by calling Seamen’s Bank at 855-227-5347 or visiting a branch.

Rev. 9/12/2023