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eStatement

ELECTRONIC DELIVERY OF BANK STATEMENTS CONSENT AND AGREEMENT

1. Welcome! Welcome to the Community State Bank Online Electronic Bank Statement Delivery Service.  Our goal is to provide you with an easy and convenient way to receive your periodic Bank Statements.

2. Your Consent. For Community State Bank to begin forwarding your Bank Statements to you electronically, we need your consent. Please review the information below prior to giving your consent. By agreeing to have your Bank statements sent electronically, you also agree to notify the Bank immediately by telephone at (989)-865-9945 of any change in your email address or any errors or complications relating to your electronic receipt or access of your Bank Statements.

* Your rights/options to receive a disclosure in paper form - If you elect to receive your Bank Statements through electronic delivery, the Bank will no longer send you your paper statements through the mail. If you want to receive your statements electronically and in paper form through the mail, you will be charged a monthly service fee of $5.00 per account for the service of receiving your statements in both electronic and paper form.

* Whether your consent applies only to a particular transaction or to categories of transactions – Your consent, which will be given by clicking on the box, is to authorize the Bank to forward to you electronically your periodic Account Statements and any other disclosures that the Bank might send to you with your Account Statements, such as Truth in Lending disclosures or other required disclosures relating to your accounts.

* The right to withdraw consent to have records provided electronically, including any consequences or fees associated with doing so – To discontinue this electronic delivery service, you can email your request to  Community State Bank or you can request a discontinuance of the service by calling the Bank. The email address for the Bank is CustomerService@gotocsb.com and the telephone is (989)-865-9945. Please allow up to 45 days for the Bank to implement your request, and after such time you will no longer receive your statements electronically. We will charge no fees for discontinuing the service.

* How the consumer may obtain a paper copy of the record upon request – The steps you must take to obtain paper copies of a particular statement and the related fees are set forth in this document.

* Hardware and software requirements for access and retention of the electronic information – The hardware and software requirements to enable you to receive and retain your Bank Statements electronically are discussed below in Our Requirements.

3. Our Requirements. First, the same terms apply with respect to electronically delivered Bank Statements as for those delivered in paper form, and the deposit agreements and disclosures that you have previously entered into with or received from Community State Bank remain in effect.  Second, for you to be able to receive and view your statements effectively, you must use a desktop or laptop Personal Computer with broadband Internet connection that has an Internet browser that supports 128-bit (or better) encryption. The end-user must meet the Operating System and Hardware requirements stated by the developers of each supported browser.  Browsers are tested and qualified with Retail Internet Banking, not the Operating Systems or hardware platforms they run on. Only Microsoft Windows and Apple OSX are supported at this time. While we rely on the developers of the browsers to ensure uniform look, feel, and functionality across all supported hardware and software platforms for each specific browser, there are differences between each platform. The Personal Computer must have sufficient memory to view electronic statements and store the statements for future research purposes. This list refers to production versions of publicly released browsers as of May 2011.  Beta versions of the individual browsers listed below are not supported. The versions listed below are the minimum required, but it is recommended that you update to the latest versions. Please note that Internet Explorer 9 is not fully supported, but will function in compatibility mode.

  • Microsoft Internet Explorer (IE) for Windows version 7.0, 8.0, 9.0
  • Mozilla Firefox version 4.0+
  • Opera version 10.0+  (Mobile App not supported)
  • Apple Safari version 5.0+ (Mobile App not supported)
  • Google Chrome version 11.0+

Note: Embedded or modified browsers (i.e. AOL’s Internet Explorer) are not fully supported.

If you do not have the minimum of one of the referenced browsers, you can go to the web site of either Microsoft, Mozilla, Apple, or Google and download the appropriate version of the browser you need. Also, to view your Account Statements, Adobe Acrobat Reader 8.0 or greater is required. This product is available for free download at http://www.adobe.com. Additionally, access to our Ecom (consumer) or Ecorp (corporate) internet banking products will be required in order to safely and securely receive your Account Statements.  Your Account Statements will be available electronically for 365 days from the date of delivery. You may print or download your Bank Statements to retain copies of them.

4. Privacy. Our privacy policy (that has been previously provided to you) will apply to this service and the policy is incorporated into and made a part of this Consent and Agreement. As discussed in paragraph 6 below, you must have a unique Ecom or Ecorp user name and password to access your Account Statements. In order to receive your statements electronically you must provide (and maintain) Community State Bank a valid email address. This email address will be used in accordance with the Bank’s privacy statement to deliver your Account Statements to you. It will not be sold or otherwise provided to third parties.

5. Service Availability. The Bank may change, suspend or eliminate all or any aspect of this delivery service upon notice to you.

6. Security. We are providing this service through Ecom or Ecorp because of its method of maintaining the security of confidential documents. To access your Account Statements, you will be required to adopt a unique Ecom or Ecorp user name and password. Your password must be at least eight characters and contain a mix of letters and numbers. To protect the security of your banking information, you must not disclose or share your password with any third party. In addition, your Account Statements will not be forwarded to you through email. You will be notified by email that they are available for you to access through the Ecom or Ecorp Internet Banking site.

7. NO WARRANTY FOR CONTINUOUS OR UNINTERRUPTED SERVICE. BECAUSE OF THE UNPREDICTABILITY OF THE INTERNET, WE DO NOT GUARANTEE CONTINUOUS OR UNINTERRUPTED ACCESS TO YOUR ACCOUNT STATEMENTS THROUGH THE INTERNET. HOWEVER, SHOULD YOU BE UNABLE TO ACCESS YOUR STATEMENTS, YOU CAN CALL THE BANK AT THE NUMBER SET FORTH IN THE ATTACHMENT ACCOMPANYING YOUR BANK STATEMENTS AND THE BANK WILL TAKE OTHER MEASURES TO PROVIDE COPIES OF YOUR STATEMENTS TO YOU.

8. LIMIT OF LIABILITY. YOU AGREE THAT IN NO EVENT WILL COMMUNITY STATE BANK OR OUR SUPPLIERS (OR ANY OF OUR OR OUR SUPPLIER’S SHAREHOLDERS, MEMBERS, OFFICERS, DIRECTORS OR EMPLOYEES) BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OUR SERVICE, EVEN IF COMMUNITY STATE BANK HAS BEEN ADVISED OF THE POSSIBILITY THAT SUCH DAMAGE WILL OCCUR. FURTHER YOU AGREE THAT NEITHER COMMUNITY STATE BANK NOR OUR SUPPLIERS (OR ANY OF OUR OR OUR SUPPLIER’S SHAREHOLDERS, MEMBERS, OFFICERS, DIRECTORS OR EMPLOYEES) WILL BE LIABLE FOR ANY TECHNICAL, HARDWARE OR SOFTWARE FAILURE OF ANY KIND, ANY INTERRUPTION IN THE AVAILABILITY OF OUR SERVICE, ANY DELAY IN OPERATION OR TRANSMISSION, ANY INCOMPLETE OR GARBLED TRANSMISSION, COMPUTER VIRUS, LOSS OF DATA, OR OTHER SIMILAR LOSS.

TO THE EXTENT COMMUNITY STATE BANK MAY HAVE BREACHED ANY TERM OF THIS CONSENT AND AGREEMENT, YOU AGREE THAT YOUR SOLE REMEDY IS TO DISCONTINUE USE OF THIS SERVICE. YOU FURTHER AGREE THAT OUR LIABILITY TO YOU IN ANY CASE (WHETHER IN CONTRACT OR TORT) WILL NOT EXCEED AMOUNTS PAID TO US WITHIN THE LAST 90 DAYS (IF ANY) FOR THIS SERVICE.

9. Notices. If you want to send us a notice in relation to this Consent and Agreement, you must send it by e-mail to CustomerService@gotocsb.com or regular mail to your local Community State Bank branch office, for which the address can be found at www.gotocsb.com. We may notify you by sending notice to your e-mail address or by mailing you notice by U.S. mail return receipt requested to our most current mailing address that we have for you. You agree that any notices sent by e-mail will be deemed delivered and received 48 hours after being sent. You agree that any notices sent by U.S. mail as provided in this paragraph will be deemed delivered and received three days after the date of mailing.

10. Arbitration. You agree that at any claim or controversy relating to this Consent and Agreement will be settled by binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. You agree that any claim or controversy you may have will be arbitrated on an individual basis and will not be consolidated in any arbitration with any claim or controversy of any other party. You agree that the arbitration will be conducted in the city in which Community State Bank’s main office is located and that judgment on the arbitration award may be enforced by any court having proper jurisdiction.

11. Governing Law. You agree that this Consent and Agreement is governed by the laws of the State in which the main office of Community State Bank is located, excluding any application of conflicts of laws rules or principles. You agree that the sole jurisdiction and venue for any litigation arising from your use of our service shall be an appropriate federal or state court located in the city in which Community State Bank’s main office is located.

COMMUNITY STATE BANK

eStatement Information

CONTACT INFORMATION: Please contact us immediately in the event that there is a change in your email address or any errors or complications relating to your electronic receipt or access of your Account Statements.

SERVICE CHARGES AND FEES:

  • Electronic Statement:  No Charge
  • Initial Set-up of Service:  No Charge
  • Electronic Statement and Paper Copy:  $5.00 per account
  • Additional paper copy of Statement: $0.99
  • Discontinuation of Service:  No Charge

TO REQUEST A PAPER COPY OF YOUR STATEMENT:

Contact your local Community State Bank office at (989)-865-9945 to request a paper copy of your account statement. A $0.99 per copy fee may be imposed.