electronic statements

Bank of Chestnut

ELECTRONIC DELIVERY OF BANK STATEMENTS CONSENT AND AGREEMENT

1. Welcome! Welcome to the Bank of Chestnut’s Online Electronic 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 the 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 or fax at the numbers set forth in the Attachment to this Consent and Agreement 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 statements through the mail. If you want to receive your statements electronically and in paper form through the mail, you will be charged a fee for the service of receiving your statements in both electronic and paper form. The fee is set forth in the Attachment to this Consent and Agreement.

* Whether your consent applies only to a particular transaction or to categories of transactions- Your consent, which will be given by clicking on the “I ACCEPT” button below or by signing a paper copy of this Consent and Agreement and providing it to the Bank, is to authorize the Bank to forward to you to you electronically your periodic Bank Statements and any other disclosures that the Bank might send to you with your Bank 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 the Bank or you can request a discontinuance of the service by calling the Bank. The email address and phone number for the Bank are set forth in the Attachment to this Consent and Agreement. It will take up to 45 days for the Bank charge no fees for discontinuing the service.

* How the consumer may obtain a paper copy of your request- The steps you must take to obtain paper copies if a particular statement and the related fees are set forth in the Attachment to this Consent and Agreement.

* 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.

* Our Requirements. First, the same terms apply with respect to electronically delivered Bank Statements as for those delivered in paper form, and the deposit agreement and disclosures that you have previously entered into with or receive from the Bank remain remain in effect.

Second, for you to be able to receive and view your statements effectively, you must use and Internet browser that supports 128-bit encryption. Both the Microsoft Internet Explorer® browser and the Netscape Navigator® browser version 4.0 or higher will enable you to receive and use our service. If you do not have at download the appropriate version of the browser you need. Also, to view your Bank Statements, you will need Adobe Reader 3.0 or greater. This product is available for free at http:www.adobe.com.

Additionally, we will be using a service called CSIeSafe to safely and securely deliver your

Bank Statements. CSIeSafe will store your Bank Statements electronically for 90 days from the date of delivery. You may print or download your Bank Statements to retain copies of them. You may subscribe to CSIsSafe’s long term storage service if you want to retain your Bank Statements online in secure electronic storage for more the 90 days. A file will be included with your Bank Statements delivery that will contain a list of all your banking transactions. That file can easily be imported into a number of money management programs.

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. CSIeSafe is subject to our rules on privacy in relation to your Bank Statements. Your user name must be a valid email address. This email address will be used in accordance with the Bank’s privacy statement to deliver your Bank Statements to you. It will not be sold of otherwise provided to third parties.

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

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

7. NO WARRANTY FOR CONTINOUS OR UNINTERRUPTED SERVICE. BECAUSE OF THE UNPREDICATABILITY OF THE INTERNET, WE DO NOT GUARANTEE CONTINUOUS OR UNINTERRUPTED ACCESS TO YOUR BANK 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 ATTTCHMENT 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 WE 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 WE HAVE BEEN ADVISED OF THE POSSIBILITY THAT SUCH DAMAGE WILL OCCUR. FURTHER YOU AGREE THAT NEITHER WE NOR OUR SUPPLIERS (OR ANY OF OUR OR OUR SUPPLIER’S SHAREHOLDERS, MEMBERS, OFFICERS, DIRECTORS OR EMPLOYESS) WILL BE LIABLE FOR ANY TECHNICAL, HARDWARE OR SOFTWARE FAILURE OF ANY KIND, ANY INTERRUPTION IN THE AVAILABILTY 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. 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 or regular mail to the person and address noted on the Attachment to this Consent and Agreement. 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 notices sent buy 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 the 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 the Bank is located, excluding any applications 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 the Bank’s main office is located.

 I Accept  I do not accept and will

immediately discontinue

use of this service.

__________________________________

Account Owner

__________________________________

Account Owner

Email Address: _______________________________

Print this form, sign and return to Bank of Chestnut, P O Box 80, Chestnut, IL 62518

_______________________________________________________________________________

Instructions for E-Statement Retrival

REQUIRED: Email Address, Internet Access and Adobe Acrobat Reader 3.0 or newer

1. You will receive an email informing you that your bank statement has been delivered. To retrieve your statements securely open your internet browser and type in http://www.csiesafe.com or click on the link provided in your email.

2. Click OK if the message, 'You are about to view pages over a secure connection.' appears, and you will be directed to the CSIeSafe home page.

3. Log in by using your email address as your Username and the Password which you provided to your bank for receiving email statements. NOTE: If your original password did not contain a minimum of 8 characters with a mix of letters and numbers, then your will be prompted to create a new one.

4. The first time you log in you will be required to enter a phone number and fill in the secret questions and secret answer. These will be used for authentication purposes if needed.

5. An inbox screen will appear after log in showing your the statements available for retrieval listed by account number. Click on and underline the portion of the statement you would like to view.

6. Click on the Checking Statement link under Attachments to view the statement in Acrobat Reader. NOTE: Clicking on the 'Move to My Safe' link will allow you to securely store your image statements indefinitely within your 'My Safe' account. Storage blocks may be purchased at a cost of $5.00 per block for 50 MB of secure data storage.

7. Your will be prompted whether or not you wish to 'Open' or 'Save' the file to your computer. Click on 'Open' to view the file in Acrobat Reader.

8. Save the file to your hard drive or print using Acrobat Reader. Statements remain in your CSI eSafe inbox for 90 days from the date of delivery.