Secure E-Mail Statements Disclosure

Electronic Delivery of Statements

By 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.

Other 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 become effective.

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.

Definitions

"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.

Security

You 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.

Periodic Statements

By enrolling to receive Secure E-Mail Statements, you will not receive a separate printed and mailed statement.

Your 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 account statement(s) 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: info@cbetn.com

Telephone: You can contact us by telephone at: 423-921-9900

Postal Mail: You can write to us at: 210 East Main Street, Rogersville, TN 37857

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 address.

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.

If 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

We 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.