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E-Statements Disclaimer

Agreement Regarding Electronic Delivery of Disclosures

​If you consent to this Agreement Regarding Electronic Delivery of Disclosures (“the Agreement”), you will be agreeing that Hillsdale County National Bank (“the Bank”) can provide the documents described in this Agreement (“the Disclosures”) to you electronically through the Bank’s online banking system.  If you do not consent to this Agreement, the Bank will be required to provide the Disclosures to you in paper or other non-electronic form.  Even if you do not consent to this Agreement, the Bank may be able to provide documents that are not Disclosures to you electronically, such as by electronic mail.  However, if you do not consent to this Agreement, you will not be able to enroll in or use the Bank’s online banking, mobile banking or bill pay services and you will not be able to receive e-Statements.

Please review the entire Agreement carefully.  You should also print, download, or save a copy of this Agreement for your records. 

Scope of Consent

If you consent to this Agreement, you are agreeing that the Bank can deliver any and all of the following Disclosures to you electronically through its online banking system:  (1) disclosures, notices and other documents required by law to be provided in connection with deposit account use or maintenance; (2) periodic statements for deposit accounts; (3) disclosures, notices and other documents required by law to be provided in connection with loan account use, sale, transfer, servicing, or collection; (4) periodic statements for loan accounts; (5) disclosures, notices and other documents required by law to be provided in connection with  opening, using or maintaining online banking, mobile banking or bill pay; and (6) change in terms notices required by law for any deposit account, loan account or other service.

These Disclosures include but are not limited to:  privacy notices; renewal notices for certificates of deposit; overdraft protection notices; funds availability disclosures; hold notices on deposits; error resolution notices; changes to fee schedules; change in terms notices required by Regulation E, Regulation DD, Regulation Z or any other law or regulation.

Some Disclosures may be included in contracts or agreements, such as the Electronic Banking Agreement or an agreement for a home equity line of credit.  By consenting to this Agreement, you are also agreeing that the Bank can deliver the Electronic Banking Agreement to you electronically during the log in process for online banking and any amendments electronically through online banking. 

This Agreement applies to Disclosures related to online banking, mobile banking, or bill pay as well as to any consumer purpose loan account or consumer purpose deposit account enrolled in the Bank’s online banking service.

Paper Delivery

You have a right to receive paper copies of this Agreement and each of the Disclosures.  However, if you consent to this Agreement, the Bank will not mail or otherwise deliver paper copies of them to you, unless you specifically request a paper copy.  To receive paper copies of this Agreement or any Disclosure at no charge, write the Bank at County National Bank, Attn. Customer Service, One South Howell Street, Hillsdale, MI  49242; call the Bank at 1-888-322-1088; email the Bank at custserv@countynationalbank.com; or speak with a Customer Service Representative at any Bank branch.  The Bank will provide paper copies upon request to the extent that they are still reasonably available to the Bank.

You may also save copies to your computer or other electronic device.  If you have a printer connected to your computer or other electronic device, you may also print copies. 

Withdrawal of Consent to Electronic Delivery

After you consent to receiving the Disclosures electronically, you can withdraw your consent by writing the Bank at County National Bank, Attn. Customer Service, One South Howell Street, Hillsdale, MI  49242; calling the Bank at 1-888-322-1088; emailing the Bank at custserv@countynationalbank.com; or speaking with a Customer Service Representative at any Bank branch.  The withdrawal of your consent will be effective within a reasonable time after the Bank receives it.  It will not apply to any Disclosure that you received electronically prior to withdrawing consent.  After your withdrawal is effective, the Bank will not provide the Disclosures electronically and, to the extent required by law, will provide them to you in paper or other non-electronic form. 

If you withdraw your consent, the Bank will terminate your access to its online banking, mobile banking and bill pay services.

 

Hardware and Software Requirements to Access and Retain Information

In order to receive and retain electronic copies of the Disclosures, you must have the following hardware and software:

  • A personal computer or other electronic device and operating system.  The computer or other device must be capable of accessing the Internet.
  • An Internet connection.
  • Software or a program that permits you to receive, access, read and store portable document format files or PDF files.  Such software and programs include Adobe® Acrobat Reader® version 8.0 and above.
  • An Internet web browser capable of supporting 128-bit SSL encrypted communications, such as Microsoft® Internet Explorer 8.0 or above, Mozilla Firefox 3.5 or above, Safari 4.0 or above, or Google Chrome (with cookies enabled).
  • In order to print copies of the Disclosures, your computer or other electronic device must be connected to a functioning printer.

Notification of a Change in E-mail Address

You assume responsibility for providing a valid email address to the Bank. You must notify Bank of any change in your e-mail address by updating your email address in the Bank’s online banking system or writing to the Bank at County National Bank, Attn. Customer Service, One South Howell Street, Hillsdale, MI  49242.

Affirmative Consent

By clicking “I Agree” below, you consent to the electronic delivery of the Disclosures, including but not limited to the Disclosures in the Electronic Banking Agreement. You also agree that Bank does not need to provide you with a paper or other non-electronic copy of any Disclosure, unless you specifically request a paper or other non-electronic copy of that Disclosure or the Electronic Banking Agreement.​ Your consent is valid until you withdraw your consent pursuant to this Agreement.

You must be an owner/signer on all accounts you wish to access electronically.

With your consent, your account statement and periodic account disclosures will be provided electronically.

Hardware and Software Requirements

  • A computer or other device with Internet Access
  • MS Internet Explorer version 5.0 or higher or Netscape Communicator version 4.7 or higher or Firefox 1.5 or higher with 128-bit encryption
  • A personal e-mail address
  • CNB Online Banking Access

Availability of paper records

If at a later date, you wish to obtain paper copies of your past statements or disclosures, you should:

  • Call 517-439-4300 or 888-322-1088, or
  • Write to us at County National Bank, Customer Service, PO Box 283, Hillsdale, MI. 49242, or
  • Send us an e-mail to: custserv@countynationalbank.com

A $2.00 per paper statement or disclosure copy may be imposed.

Withdrawing consent for electronic delivery

You have the right to withdraw consent for electronic delivery at any time. To withdraw consent and begin receiving paper account statements and disclosures, you should:

  • Call 517-439-4300 or 888-322-1088, or
  • Write to us at County National Bank, Customer Service, PO Box 283, Hillsdale, MI. 49242, or
  • Send us an e-mail to: custserv@countynationalbank.com

Your electronic address

You are responsible for:

  • Providing us a working e-mail address
  • Notifying us of email address changes, as follows: Send us an e-mail to: custserv@countynationalbank.com
  • Notifying us at least 3 days before the disclosure is scheduled to be delivered to you.