E-Mail Statements Disclosure
Electronic Delivery of Statements
completing the consent agreement you agree to permit The Citizens
Bank of East Tennessee ("The Bank") to make
disclosures and provide notices to you in electronic form, instead
of providing such notices and disclosures in written form.
Your consent and agreement shall relate to all forms of disclosures
and notices required under applicable law as a result of the various
agreements between you and the Bank and shall remain valid until
such time as you exercise your right to revoke this consent. You
elect and authorize us, at our discretion, to electronically deliver
your account statement(s) and notices that we are required to provide
you under applicable Federal And State statutes and their implementing
regulations, as amended from time to time.
Federal and State laws and regulations ("laws")
may be enacted or amended in the future to provide for electronic
delivery of account statements and notices. Your election also
authorized us, at our discretion, to provide electronic delivery
of such statements and notices pursuant to these laws after they
Terms and Conditions of Your Electronic Statement Agreement
By entering into this Agreement, you accept all the terms and
conditions contained in the agreement. Please read it carefully.
The terms and conditions of your Account Agreement and Disclosure
for each of your bank accounts as well as your other agreements
with the Bank such as loans continue to apply notwithstanding anything
to the contrary in this Agreement.
This Agreement is also subject to applicable federal laws and
the laws of the State of Tennessee. If any provision of this Agreement
is found to be unenforceable according to its terms, all remaining
provisions will continue in full force and effect. The headings
in this Agreement are for convenience or reference only and will
not govern the interpretation of the provisions.
Any waiver (express or implied) by either party of any default
or breach of this Agreement must be in writing and shall not constitute
a waiver of any other or subsequent default or breach. You may
not assign this Agreement.
This Agreement is binding upon your heirs and the Bank's successors
and assigns. Certain of the obligations of the parties pursuant
to this Agreement that by their nature would continue beyond the
termination, cancellation or expiration of this Agreement shall
survive termination, cancellation or expiration of this Agreement.
"We", "Our", "Us" or "The Bank" mean
The Citizens Bank of East Tennessee
"You" and "your" refer
to the account owner(s) authorized by the Bank to receive CBETN
Secure E-Mail Statements under this Agreement.
"Account" or "accounts" means
your accounts at Citizens Bank of East Tennessee.
"Business days" means
any calendar day other than Saturday, Sunday, or any holidays
recognized by The Citizens Bank of East Tennessee.
Consent to Electronic Delivery of Account Statements
By entering into this Agreement, you understand that the Bank
will cease providing you with monthly, printed Account statements
mailed to your mailing address of record, and that all future account
statements will be e-mailed to you at the e-mail address provided.
You agree to notify us immediately, via telephone, facsimile, or
e-mail of any change in your e-mail address.
understand the importance of your role in preventing misuse of
your accounts and you agree to promptly examine your secure e-mail
statement for each of your The Citizens Bank of East Tennessee
accounts as soon as you receive/access it. You agree to protect
the confidentiality of your account and account number, and your
password. You understand that your password by itself or
together with information related to your account, may allow unauthorized
access to your account information.
Password Security. For security reasons, we will require the use
of an individualized password to gain access to your The Citizens
Bank of East Tennessee statements. If you are prevented access
due to incorrect password, please contact us at 423-921-9900.
Your statement password is confidential information that should
be known only by you. The Citizens Bank of East Tennessee will
not, for any reason, ask for your password. If anyone contacts
you and requests this information, contact us immediately. You
are responsible for keeping your password confidential.
By enrolling to receive Secure E-Mail Statements, you will not
receive a separate printed and mailed statement.
statement will be dated the day of the e-mail (the "E-mail
Date"). You must promptly access/review your statement and any
accompanying items and notify us in writing within the applicable
time period specified in your Account Agreement and Disclosure
of any error, unauthorized signature, lack of signature, alteration
or other irregularity. If you allow someone else to access/review
your statement, you are still fully responsible to access/review
the statement for any errors, unauthorized signatures, lack of
signatures, alterations, or other irregularities. Any applicable
time periods within which you must notify us of any errors on your
shall begin on the E-mail Date regardless of when you receive and/or
open the statement.
Change in Terms
We may change any term of this Agreement at any time. If the change
would result in increased fees for any bank service, or increased
liability for you, we agree to give you notice at least 30 days
before the effective date of any such change, unless an immediate
change is necessary to maintain the security of an account or our
electronic fund transfer system. We will provide any required notice
of the change in terms to you by e-mail or by postal mail. If advance
notice of the change is not required, and disclosure does not jeopardize
the security of the account or our electronic fund transfer system,
we will notify you of the change in terms within 30 days after
the change becomes effective. If there is more than one party to
the account, notice to any one-account owner will be effective
for all. We reserve the right to waive, reduce or reverse charges
or fees in individual situations. You acknowledge and agree that
the applicable deposit agreements and disclosures govern changes
to fees applicable to specific accounts.
Disclaimer of Warranty and Limitation of Liability
We make no warranty of any kind, express or implied, including
any implied warranty of merchantability or fitness for a particular
purpose, in connection with the statements provided to you under
this Agreement. We do not and cannot warrant that secure e-mail
statements will operate without error, or that the statements will
be available at all times. Except as specifically provided in this
Agreement, or otherwise required by law, you agree that our officers,
directors, employees, agents or contractors are not liable for
any indirect, incidental, special or consequential damages under
or by reason of any services or products provided under this Agreement
or by reason of your use of secure e-mail statements, including
loss of profits, revenue, data or use by you or any third party,
whether in an action in contract or tort or based on a warranty
or any other legal theory. Further, in no event shall the liability
of the Bank and its affiliates exceed the amounts paid by you for
the services provided to you through secure e-mail statements.
Communications between the Bank and You
Unless this Agreement provides otherwise, you can communicate
with us in any one of the following ways:
Email: You can contact us by e-mail at: firstname.lastname@example.org
Telephone: You can contact us by telephone at: 423-921-9900
Postal Mail: You can write to us at: 210 East Main Street, Rogersville,
Consent to Electronic Delivery of Notices
You agree that any notice or other type of communication provided
to you pursuant to the terms of this Agreement, and any future
disclosures required by law, including electronic fund transfer
disclosures, may be made electronically via e-mail, notice with
instructions/links or via an e-mail with attached disclosures.
You agree to notify us immediately of any change in your e-mail
We will send all notices, attachments and/or documents via e-mail
to the last known e-mail address provided by you. You agree to
notify us promptly in writing (by letter sent via U.S. Mail) or
by calling us at (423-921-9900), of any change of your e-mail address.
IF APPLICABLE (INSURE CONSISTENCY WITH REMAINDER OF THIS AGREEMENT
IF USING THIS OR A SIMILAR
ELECTION: For your protection and for security purposes, we will
not accept any change of e-mail address notices via e-mail. If
you have not notified us in writing of any change of your e-mail
address, you agree that your failure to provide us with a good
e-mail address is the lack of ordinary care on your part. If we
become aware that you are not receiving e-mail, we will send all
notices, attachments and/or documents to you via U.S. Mail to your
last address known to us.
you have a "multiple-party account" as defined
in the Rules, your e-mail address may be changed using the procedure
described above by any authorized party to your account. THE
BANK SHALL HAVE NO OBLIGATION OR LIABILITY TO ANY OF THE PARTIES
TO A MULTIPLE-PARTY ACCOUNT IF THE E-MAIL ADDRESS IS CHANGED
USING THE PROCEDURES SET FORTH ABOVE.
Secure E-Mail Statement Procedures
You will receive a secure e-mail shortly after the end of each
statement period (not all accounts generate monthly statements)
with your CBETN Secure E-Mail Statement. You will need to enter
your password to open this attachment. You may also link to the
The Citizens Bank of East Tennessee Internet Banking site by going
to http://www.cbetn.com. Clicking this link will take you to the
Logon page for Internet Banking.
Hardware and Software Requirements
recommend Internet Explorer 5.5 Service Pack 2 or higher but
may support any browser with 128-bit encryption capabilities
(i.e. Netscape 4.03 or higher). To access, download, and
print statements, you need to have a personal computer with Internet
and email access. You must also have Adobe Acrobat Reader 7.0
or higher. To download a free copy of Adobe Acrobat Reader,
please go to http://www.adobe.com.