Disclosures

Pinnacle Bank Electronic Banking Account Statement and Electronic Records Disclosure and Agreement

This Electronic Banking Account Statement and Electronic Records Disclosure and Agreement (“Agreement”) is made between you and Pinnacle Bank (“Bank”) and provides your request and consent to receive statements, notices, and documents via electronic delivery for any or all account(s) and document(s) as provided by Pinnacle Bank that you have self-enrolled or indicated your intent to enroll in electronic delivery. These electronic statements, notices, and documents are called “e- Statements”. This Agreement is in addition to the terms and conditions described in the Internet Banking Agreement and Disclosure, Deposit Account Agreement, Loan Promissory Note, Terms and Conditions, and Electronic Fund Transfer Act Disclosure and corresponding Fee Schedule.

By clicking on “Agree” below, you agree that we may provide you with your periodic banking account statements, including, but not limited to any future disclosures, amendments, privacy policies, letters, correspondences, and any other notices that may be legally required to be provided to you, in electronic form for the accounts and documents for which you have self-enrolled or indicated your intent to receive electronically. Once enrolled in the e-Statements service you will receive your next statements, notices, and documents electronically only. By accepting the agreement, you also demonstrate that you are able to open the Electronic Records Disclosure and Agreement in PDF format, which demonstrates the ability to open future statements and notices that are delivered in PDF format.

Eligibility for eStatements

You must be enrolled in our online banking product in order to sign up for and view e-Statements. All account types for which the bank generates periodic statements are eligible for e-Statements. For a statement, which contains the information for more than one account “Combined Statement,” the lead account must be linked to online banking and enrolled in e-Statements to allow display of the Combined Statement.

Multiple online ID’S

Any user with online banking access to an account can enroll in e-Statements. Once e-Statements are set up for an account, any online banking Access ID that can access the account will be able to view the e-Statement. The e-Statement notification will go to the primary email address linked to the account.

Accessing your eStatements

The primary email used to enroll for e-Statements will receive an email notification when the e- Statement is available, which will allow you to log in to the Bank’s online banking site using your online banking ID and password and access your e-Statements. You will need to ensure that your computer software meets the following system requirements in order to view, print, and/or save your e-Statements.

Computer with the capability to access the Internet
Internet Browser that supports 128-bit encryption. Supported browsers should be the current version or previous two versions of the browser. Supported Internet Browsers include the following: Internet Explorer, Google Chrome, Mozilla Firefox, and Safari.
Current version or previous two versions of Adobe Acrobat Reader
Your statements and notices will be available to you online for 24 months.

We will use our best efforts to deliver your e-Statements in a timely manner and in accordance with any applicable time required by law. However, we shall incur no liability if we are unable to deliver your e-Statements because of the existence of any one or more of the following circumstances:

a. Our website or online banking is not working properly and you know or have been advised by us of the malfunction; or

b. Circumstances beyond our control (such as, but not limited to, fire, flood, interruption in telephone service or other communication lines, interference from an outside force, legal restriction or delays in email service) prevent proper delivery and we have taken reasonable precautions to avoid those circumstances.

Availability of paper delivery or paper copies & consumer actions

You will continue to have the option to request paper copies, for which fees may apply, in addition to receiving electronic copies of historical statements. Please refer to the applicable Schedule of Common Fees for further details.

If you wish to receive a paper copy of a statement, notice, disclosure, or other document presented to you electronically, you may contact us by phone at 1 (877) 759-7939 or by writing us at Pinnacle Bank, Attn: Call Center Department, PO Box 430 Elberton, GA 30635.

Constant choices

For the sake of this agreement, your consent to this disclosure pertains only to the account(s) and document(s) that the Bank makes available for electronically delivery, which may include statements, notices, disclosures, tax forms, and other documents.

Duty to review periodic statements

You must promptly access/review your e-Statement and any accompanying items and notify us in writing immediately of any error, unauthorized transaction, or any other irregularity. If you allow someone else to access your e-Statement, you are still fully responsible to review the e-Statement for any errors, unauthorized transactions or any other irregularities. Any applicable time periods within which you must notify us of any errors on your account statement(s) shall begin on the e-Statement notification date regardless of when you access and/or review your e-Statement. If you do not immediately report to Pinnacle Bank any non-receipt of e-Statements or any error, irregularity, discrepancies, claims or unauthorized debits or items, you shall be deemed conclusively to have accepted all matters contained in the e-Statements to be true, accurate and correct in all respects.

Email address maintenance

It is your responsibility to notify us if you change your email address. You may update your email address by going to the Options tab in online banking, clicking on the Edit button under the Email section, and making changes to your information.

Change statement delivery method/consumer actions

At any time and without any consequence or charge, you may change your election to receive electronic documents or entirely withdraw your consent to receive electronic statements, notices, or other documents by un-enrolling account(s) or document(s) through online banking by going to the e- Statements tab in online banking, clicking on “Documents and Settings”, and removing the checkmark from the All Account box or remove the checkmark from the account(s) or document(s) you want to remove from e-Statements. When you change your settings, the change will take place the next statement cycle.

You may also change your statement delivery method by requesting the change in person at one of our branches, contacting the Bank at 1 (877) 759-7939 or by writing to us at Pinnacle Bank, Attn: Call Center Department, PO Box 430 Elberton, GA 30635. Please be as specific as possible as to the changes that you are requesting, including listing of account(s) or document(s) that you wish to change.

In addition to the electronic copies you receive, you will have the right to request paper copies of historical statements, notices, or other documents, for which fees may apply; please refer to the applicable schedule of common fees for further details.

Changes and/or termination

If at any time, the required hardware or software specifications change pertaining to the accessibility of electronic statement delivery, Pinnacle Bank will provide you with a statement detailing any revised hardware and software requirements for access to and retention of electronic records, as well as

provide you with the opportunity to withdraw consent without the imposition of any fees for such withdrawal and without the imposition of any condition or consequence that was not disclosed. In addition, if there are any revisions to the hardware or software specifications, Pinnacle Bank will seek to obtain your affirmative consent to continue receiving your statements electronically.

Except as otherwise required by law, rule, or regulation, we may change the terms of this Agreement at any time. When changes are made we will update this Agreement on online banking. Online banking will be updated on the effective date, unless an immediate change is necessary to maintain the security of the system or unless a law, rule or regulation requires that it be updated at an earlier time. If such a change is made, and it can’t be disclosed without jeopardizing the security of the system, this Agreement will be updated within thirty (30) days after the change. You will be notified as soon as possible when any changes are made which materially affect your rights. As always, you may choose to decline changes to this Agreement by un-enrolling in the e-Statements service. Your continued enrollment in the e-Statements service is your acceptance to the Agreement. Changes to fees or terms applicable to eligible accounts are governed by the agreement otherwise governing the applicable account. It is your responsibility to review this Agreement including Pinnacle Bank’s Schedule of Common Fees and Privacy Policy from time to time in order to be aware of any such changes.