E-Statement Agreement for Electronic Delivery of Statements and Disclosures
This Agreement describes your rights and obligations as a user of our E-statement
service. It also describes the rights and obligations of Layton State Bank. Please read
this Agreement carefully.
TERMS and AGREEMENT
1. This Agreement applies to your use of our Internet Banking Service, Community
Connection and Corporate Connection, which permits you to access your accounts
with us via the Internet for services selected by you and agreed upon by us. This
Agreement applies to all persons that are parties to the accounts. In this Agreement,
the terms “you” and “your” refer to each depositor on an account accessible by this
Internet Service, and the terms “LSB,“ us,” “we,” and “our” refer to the Bank.
Layton State Bank
10427 W. Lincoln Ave.
West Allis, WI 53227
262.821.6200
2. By accepting the “E-Statement Agreement for Electronic Delivery of Statements and
Disclosures,” referred to as “Agreement” below, you authorize us to make your
deposit account, loan statements and disclosures, which we are required to provide
to you under applicable Federal and State statutes and their implementing
regulations, available at our website. You agree that Layton State Bank may, as
permitted by law, provide all applicable disclosures to you electronically. You are
responsible for downloading or printing the disclosures or providing the Bank with a
non-electronic address to which the disclosures may be mailed.
3. Definitions:
E-Statement is a visual text of your deposit account statement and check images
displayed on your personal computer monitor.
Electronic Communication means a message transmitted electronically between
you and us in a format that allows visual text to be displayed on equipment, for
example, a personal computer monitor.
Electronic Address is your e-mail address, which is not limited to receiving
electronic communications transmitted solely by us.
4. LSB E-Statement
You agree to receive your monthly deposit account statements, loan statements,
and disclosures electronically. With an LSB deposit account, you will have the ability
to retrieve your monthly account statement, check images if applicable, and account
disclosures from our website. You will be notified by E-mail when your statements
and disclosures are ready to be viewed. You also have the ability to print your
statement and images, as well as save them, to your personal computer. You are
deemed to have received any electronic communication provided to you when they
are made available to you.
5. E-Statement Requirements
To receive and retain your LSB E-Statements, you need a personal computer with
Internet access and E-mail capability, and you must be enrolled in our Online
Banking program. To view your monthly checking account statement and check
images, you will need Adobe Acrobat Reader.
6. You agree that Layton State Bank may, as permitted by law, provide all applicable
disclosures to you electronically. You are responsible for downloading or printing the
disclosures or providing the Bank with a non-electronic address to which the
disclosures may be mailed. If you are not currently enrolled in the Online Banking
program please click on the following link to be directed to the Online Banking
enrollment.
http://www.laytonstatebank.com/2699/mirror/p_services.htm#online
7. Your Responsibility You are responsible for selecting all systems, hardware and
your Internet Service provider and for any defect, malfunction or interruption in
service or security due to hardware failure, your choice of Internet Service provider
and systems and computer services. By accessing our website, you confirm that
your computer is capable of viewing statements in a Portable Document Format
(PDF). You also confirm your computer is equipped with software that enables you
to view and retain files in PDF. You agree that if you give your user ID and password
to anyone or fail to safeguard its secrecy, you do so at your own risk since anyone
with your user ID and password will have access to your accounts. Contact us
immediately if you believe someone has obtained your user ID and password
without your permission. If your monthly statement contains transactions that you did
not make, notify us at once.
8. This is an Agreement to receive your deposit account and loan statements and
disclosures online. The disclosures that will be made available online include those
that are currently located on the back of your statement. Disclosures not mentioned,
such as overdraft notices, account hold notices, etc., will continue to be mailed in
paper form.
Statement@laytonstatebank.com is the web address from which you will receive
notification as to the availability of your E-Statement This address is for our
notification purposes only. E-mail correspondence regarding general online banking
questions and requests for a printed copy of Rules and Regulations Affecting Your
Layton State Bank Accounts disclosure, which you received during the account
opening process, can be sent to our personal banker email at
personalbanker@laytonstatebank.com. Email is not a secure network so do not
include in your email any personal information such as birth date, account numbers,
etc
9. E-Statement Notification
We will notify you via E-mail that your E-Statements are ready to be viewed. The Email notification will be sent to the electronic address that you have provided. You
must provide LSB with a working E-mail address at all times. You are responsible for
changing your email and notifying us if the email address is no longer active.
10. E-Statement Notification Returned Undeliverable
If your E-Statement notification is returned to us as undeliverable, we will attempt to
make contact with you, referencing the phone number or address as shown in our
records. If our contact methods prove unsuccessful, we will terminate the EStatement feature on your account and you will receive paper statements via the
U.S. Postal Service at the mailing address shown on our records.
11. Electronic Address Changes
You agree to provide us with a current electronic address for transmission of your EStatement notification. You must notify us of any changes to your E-mail address.
You must change your email address in the Online Banking under “options,”
12. E-Statement Fees and Charges
There are no fees or charges to transmit your E-Statement notification to your
electronic address.
13. Privacy Disclosure The circumstances under which we may disclose information
about your accounts to third parties are summarized in our current privacy notice
accompanying this Agreement You should also know that our Privacy Disclosure
statement is displayed on our website at www.laytonstatebank.com
14. Third Parties You understand that support and services relating to this Internet
Service are provided by third parties other than us, and you authorize us to contract
with third parties to provide such support and service.
15. Amendment We may amend this Agreement at any time. Notice will be sent to you
at your current address in our files. Amendments will be effective upon the date
indicated in the notice. Any use of the Online Banking after we notify you of an
amendment will constitute your agreement to such amendment.
16. General This Agreement is intended to supplement and not to replace other
agreements between you and us relating to your accounts, including, without
limitation, our Deposit Account Rules. In the event of a conflict between this
Agreement and any other account rules and agreements that apply to your
accounts, this Agreement shall govern and prevail.
17. Termination We may modify, suspend or terminate your privilege of using our
Internet Service and may withhold approval of any transaction, at any time, without
prior notice to you. In the event we terminate this Internet Service, we will try to
notify you in advance but are not required to do so. You will be notified as soon as
practicable. Any one person who can use the account accessible with this Internet
Service may terminate this Internet Service. Termination shall not affect the rights
and obligations of the parties for transaction made with the Internet Service before
we have had a reasonable time to respond to your termination request.
You agree that you will not use any of the online banking services in any illegal
activity as defined by local, state and federal laws. Violation of applicable laws could
result in termination of this Agreement.
18. Right to Withdraw Consent
You have a right to cancel this Agreement and withdraw your consent to receive
your account statements and disclosures online. We must receive notification of your
intent to withdraw consent either by email (from the email address we have on file
for you) or a signed letter of withdrawal. You may also elect to receive paper
statements again by choosing that option within your internet online banking
account.
19. Damages and Warranty Disclaimer
IN NO EVENT SHALL LSB BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL,
INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS
(EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF THESE
DAMAGES) CAUSED BY OUR ONLINE BANKING PROGRAM, OR ARISING IN
ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF YOUR
PERSONAL COMPUTER, SOFTWARE, OR ANY INTERNET ACCESS SERVICES.
ONLINE BANKING AND RELATED SERVICES ARE PROVIDED “AS-IS.” LSB
DOES NOT MAKE ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR
IMPLIED, CONCERNING THE HARDWARE, THE SOFTWARE, OR ANY PART
THEREOF, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF
MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
20. This Agreement and the Online Banking shall be governed by and construed in
accordance with the laws of the State of Wisconsin, without giving effect to any
conflict of law rules which will require the application of the law other than the State
of Wisconsin.