Common use of Electronic Funds Transfer Agreement Clause in Contracts

Electronic Funds Transfer Agreement. This Electronic Funds Transfer Agreement (the “Agreement”) sets forth your rights and responsibilities with regard to your use of electronic transfer services, such as preauthorized credits or payments, telephone transfers, mobile and online banking, bill payment services, interbank transfers and use of a Brookline Bank ATM Card and Mastercard® Debit Card. We will call both of these cards, “Card”, in this Agreement. Indicated below are the types of Electronic Funds Transfers (EFTs) we are capable of handling, some of which may not apply to your Account. Please read this Agreement carefully because it tells you your rights and obligations for the transactions listed. Our online and mobile banking, interbank transfers, and bill payment services are also governed by our Online Banking Agreement. You should keep this Agreement for future reference. Applicable Law Your and our rights under this Agreement are governed by and interpreted according to federal and Commonwealth of Massachusetts laws. If state and federal laws are inconsistent or if federal law preempts state law, federal law governs. Amendments and Termination We may change this Agreement at any time. We will send you advance notice of the change, unless the change is favorable to you. In this case, we may make the change at any time without advance notice. We reserve the right to terminate the use of our EFT services for any reason and at any time, and will notify you. You also may terminate this Agreement at any time by calling us at 000-000-0000. Any termination of your use of our EFT services, whether initiated by you or us, will not affect any of your rights or our rights and obligations under this Agreement, which have arisen before the effective date of the termination. Use of EFT Services You are eligible to use any EFT services if you designate and maintain a checking Account as your primary Account, and you may also designate other eligible Accounts for use with some of these services. You may choose to access any of the following types of Accounts: any checking, statement savings, or money market. If you are requesting a Debit Card, you must choose a checking Account as your primary designated Account. Statement savings and money market Accounts cannot be used for debit purchases, POS transactions, or bill payments. All Accounts are subject to the rules and regulations governing that type of Account. Ownership and Use of Cards The card, which we issue to you, will remain our property, and you may not transfer it to any other person. You agree to return the card to us immediately upon demand or upon termination of this Agreement. We will program the machines in which your card can be used to retain your card following the termination of this Agreement and in certain other events. You agree that if you permit another person to perform any EFT service with your Card or PIN, you are responsible for any EFT service performed and charges incurred by such person, even if that person exceeds your authorization. Joint Accounts If your checking, savings or money market Account is jointly owned with one or more other person, each of you is subject to this Agreement and each of you is individually and jointly responsible for all obligations arising from the use of your Card. Networks You May Use You may use your Card and PIN at any ATM displaying our name or at any ATM or POS terminals displaying the NYCE®, PLUS®, Cirrus®, Pulse®, or SUM® Program symbols. You may also use your Debit Card wherever Mastercard® is accepted. Fraud Monitoring We subscribe to various services that help us identify and prevent card fraud. Among other things, these services identify transactions that are outside of normal cardholder habits and outside of where the cardholder normally uses their card. If you plan to travel outside of your normal residential or work area, please call us at 000-000-0000 before you travel, so that we can note that there may be charges occurring outside of where you would normally transact. These services may contact you directly via text, email or by phone to confirm or deny instances of fraud. Business Days For purposes of these electronic banking disclosures, the term “business day” refers to every day, except Saturdays, Sundays and federal holidays. Types of Electronic Funds Transfers The following are types of electronic funds transactions available to you. Please note that not all services may be available at all terminals. Additionally, you may have chosen to limit electronic access to only some of your Accounts. Preauthorized Credits You may make arrangements with third parties for certain direct deposits to be made to your checking, money market, or savings Account(s).

Electronic Funds Transfer Agreement. This Electronic Funds Transfer Agreement (the “Agreement”) sets forth your rights and responsibilities with regard to your use of electronic transfer services, such as preauthorized credits or payments, telephone transfers, mobile and online banking, bill payment services, interbank transfers and use of a Brookline Bank Rhode Island ATM Card and Mastercard® Debit Card. We will call both of these cards, “Card”, in this Agreement. Indicated below are the types of Electronic Funds Transfers (EFTs) we are capable of handling, some of which may not apply to your Account. Please read this Agreement carefully because it tells you your rights and obligations for the transactions listed. Our online and mobile banking, interbank external transfers, and bill payment services are also governed by our Online Banking Agreement. You should keep this Agreement for future reference. Applicable Law Your and our rights under this Agreement are governed by and interpreted according to federal and Commonwealth State of Massachusetts Rhode Island laws. If state and federal laws are inconsistent or if federal law preempts state law, federal law governs. Amendments and Termination We may change this Agreement at any time. We will send you advance notice of the change, unless the change is favorable to you. In this case, we may make the change at any time without advance notice. We reserve the right to terminate the use of our EFT services for any reason and at any time, and will notify you. You also may terminate this Agreement at any time by calling us at 000-000-0000. Any termination of your use of our EFT services, whether initiated by you or us, will not affect any of your rights or our rights and obligations under this Agreement, which have arisen before the effective date of the termination. Use of EFT Services You are eligible to use any EFT services if you designate and maintain a checking Account as your primary Account, and you may also designate other eligible Accounts for use with some of these services. You may choose to access any of the following types of Accounts: any checking, statement savings, or money market. If you are requesting a Debit Card, you must choose a checking Account as your primary designated Account. Statement savings and money market Accounts cannot be used for debit purchases, POS transactions, or bill payments. All Accounts are subject to the rules and regulations governing that type of Account. Ownership and Use of Cards The card, which we issue to you, will remain our property, and you may not transfer it to any other person. You agree to return the card to us immediately upon demand or upon termination of this Agreement. We will program the machines in which your card can be used to retain your card following the termination of this Agreement and in certain other events. You agree that if you permit another person to perform any EFT service with your Card or PIN, you are responsible for any EFT service performed and charges incurred by such person, even if that person exceeds your authorization. Joint Accounts If your checking, savings or money market Account is jointly owned with one or more other person, each of you is subject to this Agreement and each of you is individually and jointly responsible for all obligations arising from the use of your Card. Networks You May Use You may use your Card and PIN at any ATM displaying our name or at any ATM or POS terminals displaying the NYCE®, PLUS®, Cirrus®, Pulse®, or SUM® Program symbols. You may also use your Debit Card wherever Mastercard® is accepted. Fraud Monitoring We subscribe to various services that help us identify and prevent card fraud. Among other things, these services identify transactions that are outside of normal cardholder habits and outside of where the cardholder normally uses their card. If you plan to travel outside of your normal residential or work area, please call us at 000-000-0000 before you travel, so that we can note that there may be charges occurring outside of where you would normally transact. These services may contact you directly via text, email or by phone to confirm or deny instances of fraud. Even though we use such services, you must still monitor your account activity carefully and notify us of any unauthorized transactions. Business Days For purposes of these electronic banking disclosures, the term “business day” refers to every day, except Saturdays, Sundays and federal holidays. Types of Electronic Funds Transfers The following are types of electronic funds transactions available to you. Please note that not all services may be available at all terminals. Additionally, you may have chosen to limit electronic access to only some of your Accounts. Preauthorized Credits You may make arrangements with third parties for certain direct deposits to be made to your checking, money market, or savings Account(s).

Electronic Funds Transfer Agreement. This Electronic Funds Transfer Agreement (the ElectronicFunds TransferAgreement(the “Agreement”) sets Agreement”)sets forth your rights and responsibilities with regard to your use of electronic transfer services, such as preauthorized credits or payments, telephone transfers, mobile and online banking, bill payment services, interbank transfers and use of a Brookline Bank Rhode Island ATM Card and Mastercard® Debit Card. We will call both of these cards, “Card”, in this Agreement. Indicated below are the types of Electronic Funds Transfers (EFTs) we are capable of handling, some of which may not apply to your Account. Please read this Agreement carefully because it tells you your rights and obligations for the transactions listed. Our online and mobile banking, interbank external transfers, and bill payment services are also governed arealsogoverned by our Online Banking Agreement. You should Youshould keep this Agreement for future referenceAgreementfor futurereference. Applicable Law Your and our rights under this Agreement are governed by and interpreted according to federal and Commonwealth State of Massachusetts Rhode Island laws. If state and federal laws are inconsistent or if federal law preempts state law, federal law governs. Amendments and Termination We may change this Agreement at any time. We will send you advance notice of the change, unless the change is favorable to you. In this case, we may make the change at any time without advance notice. We reserve the right to terminate the use of our EFT services for any reason and at any time, and will notify you. You also may terminate this Agreement at any time by calling us at 000-000-0000. Any termination of your use of our EFT services, whether initiated by you or us, will not affect any of your rights or our rights and obligations under this Agreement, which have arisen before the effective date of the termination. Use of EFT Services You are eligible to use any EFT services if you designate and maintain a checking Account as your primary Account, and you may also designate other eligible Accounts for use with some of these services. You may choose to access any of the following types of Accounts: any checking, statement savings, or money market. If you are requesting a Debit Card, you must choose a checking Account as your primary designated Account. Statement savings and money market Accounts cannot be used for debit purchases, POS transactions, or bill payments. All Accounts are subject to the rules and regulations governing that type of Account. Ownership and Use of Cards The card, which we issue to you, will remain our property, and you may not transfer it to any other person. You agree to return the card to us immediately upon demand or upon termination of this Agreement. We will program the machines in which your card can be used to retain your card following the termination of this Agreement and in certain other events. You agree Youagree that if you permit another person to perform any EFT service with your Card or PIN, you are responsible for any EFT service performed and charges incurred by such person, even if that person exceeds your authorization. Joint Accounts If your checking, savings or money market Account is jointly owned with one or more other person, each of you is subject to this Agreement and each of you is individually and jointly responsible for all obligations arising from the use of your Card. Networks You May Use You may use your Card and PIN at any ATM displaying our name or at any ATM or POS terminals displaying the NYCE®, PLUS®, Cirrus®, Pulse®, or SUM® Program symbols. You may also use your Debit Card wherever Mastercard® is accepted. Fraud Monitoring We subscribe to various services that help us identify and prevent card fraud. Among other things, these services identify transactions that are outside of normal cardholder habits and outside of where the cardholder normally uses their card. If you plan to travel outside of your normal residential or work area, please call us at 000-000-0000 before you travel, so that we can note that there may be charges occurring outside of where you would normally transact. These services may contact you directly via text, email or by phone to confirm or deny instances of fraud. Business Days For purposes of these electronic banking disclosures, the term “business day” refers to every day, except Saturdays, Sundays and federal holidays. Types of Electronic Funds Transfers The following are types of electronic funds transactions available to you. Please note that not all services may be available at all terminals. Additionally, you may have chosen to limit electronic access to only some of your Accounts. Preauthorized Credits You may make arrangements with third parties for certain direct deposits to be made to your checking, money market, or savings Account(s).

Electronic Funds Transfer Agreement. This Electronic Funds Transfer Agreement (the “Agreement”) sets forth your rights and responsibilities with regard to your use of electronic transfer services, such as preauthorized credits or payments, telephone transfers, mobile and online banking, bill payment services, interbank external transfers and use of a Brookline Bank ATM Card and Mastercard® Debit Card. We will call both of these cards, “Card”, in this Agreement. Indicated below are the types of Electronic Funds Transfers (EFTs) we are capable of handling, some of which may not apply to your Account. Please read this Agreement carefully because it tells you your rights and obligations for the transactions listed. Our online and mobile banking, interbank external transfers, and bill payment services are also governed by our Online Banking Agreement. You should keep this Agreement for future reference. Applicable Law Your and our rights under this Agreement are governed by and interpreted according to federal and Commonwealth of Massachusetts laws. If state and federal laws are inconsistent or if federal law preempts state law, federal law governs. Amendments and Termination We may change this Agreement at any time. We will send you advance notice of the change, unless the change is favorable to you. In this case, we may make the change at any time without advance notice. We reserve the right to terminate the use of our EFT services for any reason and at any time, and will notify you. You also may terminate this Agreement at any time by calling us at 000-000-0000. Any termination of your use of our EFT services, whether initiated by you or us, will not affect any of your rights or our rights and obligations under this Agreement, which have arisen before the effective date of the termination. Use of EFT Services You are eligible to use any EFT services if you designate and maintain a checking Account as your primary Account, and you may also designate other eligible Accounts for use with some of these services. You may choose to access any of the following types of Accounts: any checking, statement savings, or money market. If you are requesting a Debit Card, you must choose a checking Account as your primary designated Account. Statement savings and money market Accounts cannot be used for debit purchases, POS transactions, or bill payments. All Accounts are subject to the rules and regulations governing that type of Account. Ownership and Use of Cards The card, which we issue to you, will remain our property, and you may not transfer it to any other person. You agree to return the card to us immediately upon demand or upon termination of this Agreement. We will program the machines in which your card can be used to retain your card following the termination of this Agreement and in certain other events. You agree that if you permit another person to perform any EFT service with your Card or PIN, you are responsible for any EFT service performed and charges incurred by such person, even if that person exceeds your authorization. Joint Accounts If your checking, savings or money market Account is jointly owned with one or more other person, each of you is subject to this Agreement and each of you is individually and jointly responsible for all obligations arising from the use of your Card. Networks You May Use You may use your Card and PIN at any ATM displaying our name or at any ATM or POS terminals displaying the NYCE®, PLUS®, Cirrus®, Pulse®, or SUM® Program symbols. You may also use your Debit Card wherever Mastercard® is accepted. Fraud Monitoring We subscribe to various services that help us identify and prevent card fraud. Among other things, these services identify transactions that are outside of normal cardholder habits and outside of where the cardholder normally uses their card. If you plan to travel outside of your normal residential or work area, please call us at 000-000-0000 before you travel, so that we can note that there may be charges occurring outside of where you would normally transact. These services may contact you directly via text, email or by phone to confirm or deny instances of fraud. Even though we use such services, you must still monitor your account activity carefully and notify us of any unauthorized transactions. Business Days For purposes of these electronic banking disclosures, the term “business day” refers to every day, except Saturdays, Sundays and federal holidays. Types of Electronic Funds Transfers The following are types of electronic funds transactions available to you. Please note that not all services may be available at all terminals. Additionally, you may have chosen to limit electronic access to only some of your Accounts. Preauthorized Credits You may make arrangements with third parties for certain direct deposits to be made to your checking, money market, or savings Account(s).