ALMA Bank Personal eBanking Statement Service Agreement and Disclosure

This Alma Bank Personal eBanking Statement Service Agreement and Disclosure (the “Agreement”) contains the terms and conditions applicable to our Personal eBanking Statement (“E-Statement”) Services.

Definition

The words “we”, “our”, and “Bank” used in this Agreement mean Alma Bank and the words “you” and “your” mean account owner(s) or authorized signer(s).

Statement Delivery

By enrolling in  E-Statement Services, you consent and agree that we may provide your account statements in electronic in lieu of paper form and to the terms and conditions of this Agreement.

System Requirements

In order to access your E-Statements, your personal computer must have:

·        Internet and Email Access

·        A compatible browser that supports 256-bit encryption

·        Adobe Acrobat Reader 7.0 or higher

We may revise hardware and/or software requirements. We will inform you in advance of any such change that has material impact on your ability to access E-Statements.

Enrollment for E-Statements

You can enroll in E-Statements at any time by logging into Personal eBanking, navigating to the  ‘Accounts’ menu, selecting ‘Documents’ and then selecting ‘Delivery Settings’. In the ‘Delivery Settings’ screen, you can change your delivery preference from Paper to Online. The change to delivery preference will take effect when your next statement is produced.

Once you are enrolled in E-Statements, paper statements for the accounts selected will be automatically terminated and you will access all future statements through your Online Banking Account. You will receive an email when a new E-Statement is available online.

You will be able to view, download, and print your account E-Statements. E-Statements remain available online for 18 months; however, you may save copies of your E-Statements to your hard drive or other media for viewing and printing at a later time.

Request for a paper copy of your Account Statement

You may request a paper copy of your E-Statement by contacting any of our branches. A duplicate statement fee will apply.

Cancelling E-Statements

You may opt out of E-Statements any time by logging into Personal eBanking, navigating to the  ‘Accounts’ menu, selecting ‘Documents’ and then selecting ‘Delivery Settings’. In the ‘Delivery Settings’ screen, you can change your delivery preference from Online to Paper. Once you withdraw your consent, the Bank will discontinue E-Statement service and paper statements will be resumed. There is no fee to opt out and resume paper statements. If you change your delivery preference from Online to Paper, you will lose access to any statements previously delivered online. You should save your online statements before making this change.

Email Address

You agree to notify us of any changes to your email address by logging into Personal eBanking,  selecting ‘Self Administration’ in the ‘Self Service’ menu, then choosing  ‘Personal Preferences’ to change your E-Mail address.

Joint Accounts

If your account is owned jointly with another person, either owner may consent to receive E-Statements, which will cancel paper delivery for all account owners.To cancel E-Statement delivery for Joint Accounts, all account owners must change E-Statement delivery preferences from Online to Paper to begin receiving paper statements.

Termination/Amendment

We reserve the right to terminate change the terms of this Agreement at any time. If a change negatively impacts you by imposing increased fees or additional limitations, we will provide you with at least 30 days’ notice in advance of the change. If such notice is not required, we will notify you of the change in terms within 30 days of the change. If you would like to decline the changes, you may terminate E-Statement services or you will be deemed to have agreed to the change.