DISCLOSURE REQUIRED BY FEDERAL LAW

Please read this Electronic Records Disclosure and Agreement carefully and keep a copy for your records.
If requesting to open a checking or savings account:

Electronic Copy of Related Disclosures, Agreements and Instructions. In order to speed up the deposit account application process, with your consent, we will provide you with the following information electronically, rather than by postal mail or in person:

• A deposit account application and all related account disclosures required by applicable federal or state law for the deposit product you have selected;  
• Instructions for signing and returning the account signature card;
• Statements (i.e., eStatements); and
• Information and instructions about any additional services that you select during the application process.

Your Consent is Required. You must consent to receiving the related legal disclosures, agreements, signature card and instructions, and eStatements before we can provide them to you electronically. Your consent will apply to the deposit product you have selected, all account disclosures required by applicable federal or state law, any related agreements, your account signature card and the instructions related thereto, eStatements and any information and instructions about any additional services that you select during the application process.

Paper Copy of Disclosures, Agreements and Instructions.  If you do not want to receive the legal disclosures, agreements and the instructions electronically, you should exit this area of our web site.  If you do not consent to receiving an electronic copy of the related legal disclosures, agreements and the instructions, we will not be able to open the deposit account via our website. You may visit any of our  locations and speak with a financial services representative. A list of our locations may be found at our Web site. If you consent to receive the disclosures, agreements and instructions electronically, you can also request a paper copy of the related legal disclosures, agreements and instructions by contacting our Customer Contact Center by phone at the number listed on our Web site.  We will not charge you any fees for providing a paper copy of the disclosures, agreements and instructions.

Withdrawing Your Consent.  If you later decide you do not want to receive the legal disclosures, agreements, instructions, and eStatements electronically, you may withdraw your consent by contacting Customer Service at (888) 226-0819. If you withdraw your consent, however, your account will be closed.

Updating Your Contact Information.  If you consent to receive information electronically, we will contact you at the e-mail address you have provided to us. Please be certain that we have your correct and updated e-mail address. If you change your e-mail address, you must notify us in writing at Union Federal Savings Bank, PO Box 848115, Boston, MA 02284-8115.

System Requirements to Access the Information.  To receive an electronic copy of the requested file, you must have the following equipment and software:

• You must have a personal computer or other access device, which is capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection or some other means of access to the Internet, and you must have an active account with an Internet service provider). Your access to this page verifies that your system meets these requirements.

• You must have an Internet web browser which is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.  Your access to this page verifies that your browser and encryption software meet these requirements.

• You must have software which permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher (available for downloading at http://www.adobe.com/products/acrobat/readstep2.html).  Your access to this page verifies that your system has the necessary software to permit you to receive and access PDF files.

System Requirements to Retain the Information.  To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files.  In order to sign and return the deposit account signature card, you must be able to print them. You must have a functioning printer connected to your personal computer or other access device, which is able to print the signature card, the related disclosures, agreements, and the instructions on plain white 8½ x 11 inch paper.