Effective Date August 8, 2022
This Electronic Disclosure and Consent Agreement is provided by ZYNLO, services provided by
PeoplesBank, of Holyoke, MA, member of the Federal Deposit Insurance Corporation (“FDIC”)
(“ZYNLO”, the “Bank”) on behalf of NYMBUS Inc. (“NYMBUS”), the program partner responsible
for managing ZYNLO Bank accounts (“ZYNLO”)
General
This Electronic Disclosure and Consent Agreement (“Electronic Consent Agreement”), applies to
all communications for products and services offered by the Bank. You must agree to this
Electronic Consent Agreement prior to accepting the Online Banking Agreement, which you must
accept before you can use ZYNLO Online Banking Services.
Definitions
The terms “we,” “us” and “Bank” refer to Nymbus and/or ZYNLO or any affiliate, agent,
independent contractor or designee that we may, at our sole discretion, involve in the provision
of the ZYNLO Online Services.
The terms “you” and “your” refer to the user of ZYNLO Online Services, whether singular or plural,
who: (1) is an individual or entity that is the owner of an account or a party-in-interest of an account
at the Bank or (2) is an individual authorized by the account owner(s) or a party-in-interest to view
account information or effect transactions in an account.
The term “Communication” means any customer agreements or amendments to those
agreements, disclosures, notices, responses, transaction history, account statements, privacy
policies and all other information related to your accounts at the Bank, including but not limited to
ZYNLO Online Services. Communications are not limited to information that we are required by
law to provide to you in writing.
Scope of Communications to be Provided in Electronic Form
When you use a ZYNLO Online Service, you agree that we may provide you with any
Communications in electronic form only and that we may discontinue sending paper
Communications to you. Withdrawal of your consent to receive Communications electronically
shall terminate this Agreement, the Online Banking Agreement, and your access to ZYNLO Online
Services. Your consent to receive electronic Communications and transactions includes, but is
not limited to, the following:
● All transaction history statements regarding your accounts at the Bank;
● All legal and regulatory disclosures and Communications associated with your accounts
at the Bank including products or services available through ZYNLO Online Services
and;
● Notices or disclosures about a change in the terms of this Consent Agreement; and
● Our responses to your requests related to your Accounts, including ZYNLO Online
Services.
Hardware and Software Requirements
To receive Electronic Records, you must have access to:
• Current Version (defined below) of an Internet browser we support,
• A connection to the internet,
• A Current Version of a program that accurately reads and displays PDF files (such as
Adobe® Acrobat® Reader),
• A computer and an operating system capable of supporting all of the above. You will also
need a printer if you wish to print out and retain records on paper, and electronic storage if
you wish to retain records in electronic form, and
• An active email address
By “Current Version,” we mean a version of the software that is currently being supported by its
publisher. The following are current versions of internet browsers we support:
• Chrome version 40.0 and higher
• Firefox version 38 and higher
• Safari version 7.0 and higher
• Edge version 12 and higher
Does not support Internet Explorer
The ZYNLO mobile app is available for iPhone iOS 8.0 and up and Android 5.0 and up
We reserve the right to discontinue support of a Current Version of software if, in our sole opinion,
it suffers from a security flaw or other flaw that makes it unsuitable for use with Electronic
Services.
Changes to hardware or software requirements.
If our hardware or software requirements change, and that change would create a material risk
that you would not be able to access or retain your Electronic Records, we will give you notice of
the revised hardware or software requirements. Continuing to use Electronic Services after
receiving notice of the change is reaffirmation of your consent.
Availability of Printed Copies
Are not available with these accounts except where required by law.
How to Withdraw Consent
You may opt-out of receiving disclosures electronically by contacting us at 1-844-ZYNLOBANK.
Electronic disclosures are required to maintain an account relationship.
You must keep your email or electronic address current with us.
You can update your email address, through the online banking portal, emailing customer support
at support@zynlobank.com or by phone at 1-844-ZYNLOBANK.
08102022ZPBCWK
