E-SIGN Agreement
Electronic Communication Agreement
You have a right to receive your account statements and certain other notices and disclosures required by law and regulation in writing (each a “Document” and together the “Documents”). Before providing Documents to you in electronic format only, Centier Bank (“Centier”) is required to obtain your consent to the receipt of your Documents in electronic format only. Please read this Electronic Communication Agreement (the “Agreement”) carefully and print, download or otherwise keep a copy for your records. As used in this Agreement, any reference to “we,” “us,” and “our” includes Centier and its subsidiaries, affiliates, successors, assigns, agents, representatives, independent contractors, and subcontractors, and “you” and “your” mean each customer of Centier.
By clicking “I have read and agree to the terms of Centier’s Electronic Communication Agreement,” you consent to, agree to allow us to, and authorize us to provide and send any and all Documents to you in electronic format only. Your consent to receiving Documents in electronic format applies to this Agreement, all updates to this Agreement, and disclosures, notices and other communications regarding your deposit account(s) with Centier. Some examples of Documents include periodic account statements, change in terms notices of fees that are required to be disclosed under applicable law, the annual privacy notice for Centier, account disclosures, agreements, consents, and other notices that may be required under applicable law. After giving your consent to receive Documents electronically, we will no longer mail Documents to your mailing address. Nevertheless, we reserve the right to mail Documents to you. If you do not give consent, you will only receive Documents in paper form, such as by regular mail; you may be required to contact Centier to receive paper copies of certain Documents; and your receipt of Documents may be delayed. This Agreement, and the provision of electronic Documents, is effective from the time on which you click “Accept” and continues until you withdraw your consent, as described below.
Notifications and other correspondence will be provided to you (1) by regular mail to the current address in our account records, if you or we choose to receive or send Documents in paper form; (2) by e-mail at the e-mail address we have on our records; (3) by access to your online or mobile banking profile or such other website that we will identify in an e-mail notification we send to you at the time the information is available, or (4) to the extent permissible by law, by access to a website that generally we will identify in advance for such purposes. Without limiting the generality of this paragraph, we may deliver our privacy notices and opt-out notices to you by making them available on www.billinero-dev.becomelabs.site, your online or mobile banking profile, or any other web site that we will identify in advance for such purpose. In the case of account statements, we will notify you by e-mail when your statement is available for viewing.
You are required to provide us with an accurate and complete e-mail address and other information related to your account(s) and to maintain and update any changes to this information promptly. If your e-mail address to which we will be sending you notifications or any other information should change in the future, you must contact Centier and provide your new e-mail address or information. If you do not update your e-mail address, we will continue to send any notifications that your Document is available electronically for viewing to your e-mail address on record with us for a period of time. If an e-mail notification to you is returned to us as undeliverable, or you otherwise do not receive this e-mail notification, your Documents will still be available to you on the website we designate in the e-mail notification. We do not monitor our systems for e-mails that are returned to us as undeliverable and might not attempt to resend any returned e-mail to you. The date on which you will be deemed to have a Document made available to you is the date such Document is posted in your online and mobile banking profile, whether or not you receive or access the above-mentioned e-mail notification.
To access Documents online, you will need Internet access, a currently supported and updated Internet browser that supports Secure Socket Layer with at least 128-bit encryption, a current version of JavaScript, and enabled security features. Additionally, you will need a computer hardware that supports these requirements and Adobe Acrobat Reader for rendering portable document format reader (.pdf) files. To view the technical specifications recommended for access to your online and mobile banking profile, please view the technical specifications posted at www.billinero-dev.becomelabs.site. We will notify you if these hardware and software specifications change if the change creates a material risk that you will not be able to access and view Documents in electronic format. To retain a copy of the Documents, you will need a media storage device (e.g., hard drive), an email address to which you can send Documents as attachments, or a printer with which you can print copies of the Documents.
You are responsible for the purchase, installation, maintenance, upgrades, and security of the hardware and software used to access and view electronic Documents. We do not represent that your computer or other device will be compatible with or otherwise support electronic Documents. We will not be held liable or otherwise responsible for upgrading or replacing your computer or other system if it fails to meet the hardware and software specifications necessary to access or view electronic Documents or for providing you any compensation or remuneration for any such upgrade or replacement. You are solely responsible for any fees and charges related to your access to the Internet, including but not limited to any Internet service provider fees, telephone charges, and cellular provider charges. You agree to use a reputable anti-virus and anti-spyware software program on your computer or access device and update such software on a regular basis. We are not responsible for any errors or issues that arise from the malfunction or failure of either the hardware or the software. You acknowledge and agree that opening a PDF of this Agreement reasonably demonstrates that you can access and view Documents electronically. Your acceptance of this Agreement on one device constitutes your acceptance on all devices you use.
You have the right to withdraw your consent to have Documents provided or made available only in electronic format by contacting Centier at 1-833-682-6484 or clientsupport@billinero-dev.becomelabs.site. Your withdrawal of your consent will be effective only after we have had a reasonable period of time to process your request. Because products and services in connection with the BillineroTM savings promotion raffle are only provided electronically, the withdrawal of your consent may result in termination of your access and use of your deposit account(s) with Centier through your online and mobile banking profile, including your ability to initiate external transfers to and from such account(s). Withdrawal may therefore prevent you from continuing to receive entries into drawings conducted under the BillineroTM savings promotion raffle. You may also need to request periodic statements for such accounts in paper form.
You also have the right to obtain paper copies of your Documents by contacting Centier’s service provider at 1-833-682-6484 or at clientsupport@billinero-dev.becomelabs.site. We may charge photocopy fees identified in our current fee schedules, which may be amended by us from time to time. Although you provide your consent to receive Documents electronically, we reserves the right to send such paper copies of such Documents by mail. We may provide to you other notices and account-related communications electronically that may not be required by law.
You will not be charged any rate, fee, or charge for enrolling to receive Documents electronically. Furthermore, except as provided in this Agreement, if we choose to provide you Documents in paper form, and you have not withdrawn your consent to receive Documents electronically under of this Agreement, you will not be charged a rate, fee, or charge for such paper Documents. We will not impose a fee to process the withdrawal of your consent. For more information about applicable fees, please refer to the fee schedule(s) that govern(s) your accounts.
You acknowledge and agree that your consent to electronic Documents is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (the “E-SIGN Act”), and that you and we both intend that the E-SIGN Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means. In addition, this Agreement shall be governed by the law governing your deposit account, except with regard to principles of conflicts of law.
We reserve the right, at our sole discretion, to discontinue the provision of your electronic Documents, or to terminate or change the terms and conditions on which we provide Documents electronically. We will provide you with notice of any such termination or change as required by law.
By clicking “Accept,” you acknowledge that you have read this Agreement; and agree to be bound by its terms and conditions. You consent to receive the Documents in electronic format only, agree to conduct business electronically, intend to affix your electronic signature to the Agreement, and agree that electronic signatures are effective as original signatures as if such signatures were hand-written. Receipt of this Agreement and other Documents by electronic transmission shall constitute effective delivery of such Documents. Electronic records of this Agreement and the Documents shall be deemed originals thereof. You are duly authorized and have legal capacity to execute and deliver this Agreement.
