Electronic Records Disclosure
& Agreement

Please read this Electronic Records Disclosure and Agreement carefully and keep a copy for
your records.

Electronic Copy of Related Disclosures, Agreements and Instructions

In order for us to complete your enrollment in Online Banking or Bill Pay we will, with your consent, provide you with the following disclosure electronically, rather than by  mail or in person:

• Internet Banking Terms and Conditions
• eStatement Disclosure and User Agreement
• Bill Pay Agreement and Disclosure

Your Consent is Required

You must consent to receive the related legal disclosures, agreements and the instructions before we can provide them to you electronically. Your consent will only apply to your access request to Online Banking, Bill Pay, and to receive your  account statements electronically, if you choose to.  If you do not choose to receive your  account statements electronically, we will continue to mail a paper copy to you at the address we have on file.  You will not be consenting to receiving other electronic records or disclosures at this time.

Withdrawal of Consent

You may withdraw your consent to receive your related legal disclosures, agreements and the instructions electronically at a later date.  If you choose to withdraw your consent, please contact our Customer Service Center at the number listed on our website.  If you choose to withdraw your consent, we may revoke your access to Online Banking or Bill Pay services and/or resume mailing a paper copy of your periodic account statement to the address we have on file.  Please be aware that if you choose to withdraw your consent to receive your related legal disclosures, agreements and the instructions, your withdrawal will not affect your previous agreement to receive related legal disclosures, agreements and the instructions electronically; it will only affect any future legal disclosures, agreements and the instructions that you may receive.

Keep Your Email Address Current

To make sure that we are able to contact you, we need to keep our records current.   If you change your email address, please contact our Customer Service Center at the number listed on our web site.

Paper Copy of Disclosures, Agreements and Instructions

If you do not want to receive the legal disclosures, agreements and the instructions electronically, we will not be able to accept your request for Online Banking or Bill Pay access via our website.  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 Service Center by phone at the number listed on our website.  We will not charge you any fees for providing a paper copy of the disclosures.

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 4.0 or Netscape Navigator® version 4.06, 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 6.0 or higher.  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 writable disk) or print PDF files.  You must have a functioning printer connected to your personal computer or other access device, which is able to print the related disclosures, agreements, and the instructions on plain white 8½ x 11 inch paper.