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| e-Statement User Agreement |
The Farmers & Merchants State Bank eStatement User Agreement and Disclosure provides consent to receive bank statements and accompanying legal notices/disclosures for your selected Farmers & Merchants State Bank account(s) by electronic delivery, called eStatements. The terms of this Agreement are in addition to those terms and conditions that apply to an account or service you have with us, including our rules and regulations as well as our Privacy Policy. Within this Agreement, the terms “you”, “your”, and “customer”, refer to each depositor on an account who has elected to receive an electronic statement, the term “account” or “accounts” means your accounts at Farmers & Merchants State Bank. All eStatements shall be in full compliance with applicable laws and regulations. It is recommended that you read this carefully and print it for future reference.
- General
By accepting this Agreement, you have elected to receive your periodic account statements and any required account disclosures in electronic format. Our goal is to provide paperless statements, which are a great way to make your life easier, in addition to help saving our environment. No more waiting for your account information to arrive by US Postal service, we’ll simply send you an email when your information is available to view. Reconcile your accounts more quickly and reduce the risk of identify theft. Plus, it’s a free service. You can view, print and store your documents on your personal computer, when it’s convenient to you.
- Equipment/Access Requirements
- Valid, active email address
- Personal computer or Mac with printer capability
- MS Internet Explorer 6.0 or higher or Netscape Communicator 6.1 or higher with 128-bit encryption
- Authorized Farmers & Merchants State Bank Online Banking Access (www.fandmstbk.com)
- Adobe Acrobat 6.0 or higher, (download free from www.adobe.com)
- Eligible Accounts
Checking and/or Savings eStatements will be available at the same frequency (cycle) as your statement that was previously mailed. Generally, checking statements are delivered monthly, while savings statements are delivered quarterly.
- Accessing eStatements
Farmers & Merchants State Bank will use the email address provided by you to send an email notifying you of your eStatement and disclosures. You may then click on the link within the email or go to our Farmers & Merchants State Bank Online Banking Service via Farmers & Merchants State Bank website, www.fandmstbk.com, using your secure Access ID, verifying your Authentication Image and then your Password. Your eStatement may be viewed by clicking on your account (checking and/or savings) and then going to “Statements”. Farmers & Merchants State Bank will provide this information in a clear, conspicuous manner. There will be 12 months of statement history. eStatements will be viewable electronically in PDF-Portable Document Format which can be viewed online, saved to your computer or printed at your convenience. It is your responsibility to view your account statement and disclosures through Farmers & Merchants State Bank Online Banking program; it is advisable to periodically check for emails. By enrolling in this service, you will no longer receive a statement by mail. If you wish to have a paper copy of a statement or check mailed to you, normal fees will apply, please read our Farmers & Merchants State Bank Fee Schedule.
- Customer Responsibilities
You are responsible for accessing, opening and reading your documents at your earliest convenience. These contain important and legally binding information and disclosures. You are responsible for promptly notifying Farmers & Merchants State Bank if any documents you receive are incomplete, unreadable or inaccessible. You must have a valid email address. You agree to immediately notify Farmers & Merchants State Bank of any changes to your email address. Failure to update and/or correct your email address may result in Farmers & Merchants State Bank reinstating the delivery of your paper statement. If you currently receive duplicate statements, mailing of the duplicate copy will be discontinued; however you may print multiple copies and distribute those at your own discretion. Email will sometimes get accidentally collected in a junk mail/spam mail folder by your email/internet service provider. Simply uncheck the email folder containing Farmers & Merchants State Bank and unmark it, this will usually let your email be received to your “Inbox”. As a Farmers & Merchants State Bank Online Banking customer, you have chosen a personal Access ID, Authentication Image, and Password which allows you access to our service. You are responsible for keeping your Access ID and Password confidential and for ensuring that you have logged out when your session is complete to prevent unauthorized access. It is your responsibility to contact us if you know or suspect unauthorized use of your Access ID and Password. Review our Online Banking Agreement and Disclosure for further information. You agree to provide true, accurate current and complete information about yourself as requested, and not misrepresent your identity. You understand that you have a duty to exercise reasonable promptness in examining the eStatement which includes your cancelled checks for unauthorized signatures, alterations, forgery, posting errors, etc…The statute of limitations governing these responsibilities will commence at the time the Bank sends you the email notification that your eStatement is available. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appears as outlined in our Electronic Fund Transfer Disclosure. You agree that Farmers & Merchants State Bank’s security procedures are commercially reasonable.
- Termination or Equipment
Failure In the event of equipment failure or email delivery error, you may request a paper copy of your statement at no charge, simply contact our Customer Service Department at 1-888-478-3007. If an email is returned undeliverable for any reason, Farmers & Merchants State Bank will make an attempt to contact you via phone, if no contact can be made, we will resume the paper delivery of your statement via U.S. Postal Service immediately. If you wish to discontinue this service, you may send your request in writing to Farmers & Merchants State Bank, P.O. Box 96, Waterloo, WI 53594 or by visiting one of our branch banks. Please allow us 30 calendar days from the date of delivery to implement your request. There are no fees associated with revoking this agreement. Termination of this agreement will result in paper account statements and disclosures being mailed to the address we have on file for you. Farmers & Merchants State Bank has the right to rescind this agreement at any time and for any reason without advance notice.
- Disclosures
Federal law requires that we obtain your consent before providing required account disclosures electronically. Therefore, your acceptance of this Agreement provides consent to us to deliver your required disclosures electronically. A copy of our disclosures may be viewed by accessing Farmers & Merchants State Bank Online Banking website, www.fandmstbk.com. These include but are not limited to: Electronic Funds Transfer, Funds Availability, USA Patriot Act and Privacy Statement.
- Privacy
Our privacy policy that has been previously provided to our customers will apply to this service and the policy is incorporated into and made part of this Farmers & Merchants State Bank eStatement and Disclosure. Your email address will be used in accordance with the Bank’s privacy statement to delivery notification to you; your email address will not be sold or otherwise provided to third parties.
- Changes in Terms of Use
Farmers & Merchants State Bank reserves the right to modify this Agreement at any time. Any modifications to this service shall be effective the date provided within the notification posted on our website: www.fandmstbk.com. Farmers & Merchants State Bank will notify you of any amendments to this Agreement, including any changes in hardware or software required to access documents by providing notice to you via your email address and our website, www.fandmstbk.com.
- Liability
Farmers & Merchants State Bank does not guarantee the delivery of any email notification, nor liability for losses or damages arising from non-delivery, delayed or missed delivery. Factors affecting these email notifications are solely between you and a Third Party that you designate, such as an Internet Service Provider and Phone company. We make no representations or warranties whatsoever with regard to Third Party Service Providers products or services. Likewise, Farmers & Merchants State Bank makes no warranty of any kind, express or implied that our eStatement delivery will be uninterrupted or error free. We do not and cannot warrant that Farmers & Merchants State Bank will operate without error, or that eStatements will be available at all times. You agree that neither we nor our suppliers or our directors, officers or employees be held 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 we may have breached any term of this consent and agreement, you agree that your sole remedy is to discontinue use of this service. The laws of the State of Wisconsin shall govern this Agreement. You acknowledge that you have reviewed this Agreement, understand the terms and conditions set forth herein, and agree to be bound hereby.
- Communications
You may contact us:
Phone: 1.888.478.3007
Facsimile: 920.478-9642
Postal Mail:
P.O. Box 96
Waterloo, WI 53594
Web-Site: www.fandmstbk.com
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