To activate Cresco Bank & Trust’s eStatements, you must agree to the following terms and conditions:

1.      SCOPE AND ACCEPTANCE OF TERMS. When you sign the eStatements Enrollment Form, you are consenting to the electronic delivery of selected account statements, notices, and disclosures. Your decision to receive your statements electronically will remain in effect until amended by you or until this Agreement is cancelled. If you experience equipment failure and you are unable to retrieve your e-mails, you may obtain a copy of any statement on paper by calling Cresco Bank’s Bookkeeping Services at 563-547-2244 or by sending a written request to: Cresco Bank & Trust, Bookkeeping Services, 126 Second Ave SE, Cresco, IA 52136.  Cresco Bank & Trust Company is a division of Decorah Bank & Trust Company located in Decorah, Iowa.

2.      NOTICE AND PLACE OF DELIVERY. Cresco Bank & Trust will deliver documents to your current e-mail address. You will receive your statement as an attachment to an e-mail. When you click on the attachment you will be prompted to enter a Password. You must notify us immediately if your e-mail address changes. If your statement is undeliverable to all e-mail addresses given for two consecutive months, account(s) statements will revert to a printed statement and the image presentation used in the previous printed format. To submit a change of e-mail address, call Cresco Bank’s Bookkeeping Services at 563-547-2244 or write Cresco Bank & Trust, Bookkeeping Services, 126 Second Ave SE, Cresco, IA 52136. Confirmation will be sent to your postal address of record, to your old e-mail address and to your new e-mail address.

3.      PASSWORD. Your password will be at least eight (8) characters, using a combination of letters and numbers. If you wish to change your password you can do so by calling Cresco Bank’s Bookkeeping Services at 563-547-2244 or writing Cresco Bank & Trust, Bookkeeping Services, 126 Second Ave SE, Cresco, IA 52136. Confirmation will be sent to your postal address of record and e-mail address.

4.      YOUR RESPONSIBILITIES.
a. Equipment/Access requirements:
• A PC or Mac with access to the Internet
• An active e-mail account
• Adobe Acrobat Reader™ 6.0 or higher (free software you can download)
• Immediately notify us of any change in your e-mail address
You are solely responsible for the cost and maintenance of such equipment. You represent and warrant that you have the equipment and access capabilities to receive documents electronically.
b. Protect your Password. You are responsible for the use, protection and confidentiality of your password, as well as other account numbers, account information, and e-mail address information. Please notify the bank immediately if you become aware of a theft, loss or unauthorized use of your personal information
c. Open and read your documents. You are responsible for accessing, opening, storing, and proper disposal of your documents. Documents contain important and legally binding notices, information and conditions. You are responsible for promptly notifying Cresco Bank & Trust if any documents you receive are not accessible, or are incomplete or unreadable.

5.      PAPER STATEMENTS. Upon signing up for eStatements you will no longer receive paper statements. In the event you request a paper statement applicable fees will apply.

6.      CANCELLATION RIGHTS. You may cancel this agreement at any time by calling Cresco’s Bookkeeping Services at 563-547-2244 or writing Cresco Bank & Trust, Bookkeeping Services, 126 Second Ave. SE, Cresco IA 52136. You may cancel eStatements delivery at any time. Cresco Bank & Trust will not impose any fees for cancellation of eStatements delivery. Cancellation is effective at the next statement cycle after receipt of your cancellation notice. You will receive a receipt of cancellation by postal delivery or as otherwise allowed or required by law.

7.      OTHER CANCELLATION RIGHTS. Cresco Bank & Trust may also cancel this Agreement and your access to eStatements for any reason. If the Bank cancels this Agreement, notice of cancellation will be provided by postal delivery or as otherwise allowed or required by law.

8.      AMENDMENT OF AGREEMENT
a. Cresco Bank & Trust reserves the right, at any time to amend the terms of this Agreement. The bank will notify you of any amendments to this Agreement (including any changes in the hardware or software required to access and retain documents) by providing notice to you at your e-mail address or by postal delivery or as otherwise allowed or required by law.
b. You will be deemed to have accepted any amendments to this agreement made by Cresco Bank & Trust unless you cancel this Agreement prior to your next statement cycle.

9.      VIRUS PROTECTION. Cresco Bank & Trust is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PC and diskettes using a reliable virus product to detect and remove any viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

10.     LIABILTIES. Cresco Bank & Trust does not foresee or anticipate technical or other difficulties. Therefore, the Bank makes no warranty that eStatements delivery will be uninterrupted or error free. The Bank is not liable for any loss or damage arising from (a) your failure to comply with the eStatements Responsibilities (b) interruption in eStatements delivery due to problems with your equipment or errors/delays in communication and transmission lines, or (c) any occurrence beyond the Bank’s reasonable control.

11.     By signing the eStatements Enrollment Form, you acknowledge that you have read, understood and agree to the terms and conditions set forth in this Agreement.

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