Friday, October 9, 2015
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Electronic Statement/Notification Agreement and Disclosure

This Agreement governs the electronic receipt of your periodic account statements and account notices for the accounts you enroll in the e-Statement Service.

As used in this document, the words, “we,” “our,”  “us” and “Bank” mean Preston National Bank and the words “you” and “your” mean each account owner(s) or authorized signer(s).  “Account(s)” means your checking account, savings account, certificate of deposit or loan at Preston National Bank. The delivery of periodic account statements, notices and disclosures electronically is referred to as the “e-Statements Service.”

Scope of Consent for Electronic Delivery of Statements
Your consent to receive electronic statements covers the periodic statements you are provided in connection with your account(s). This agreement is in addition to other agreements between you and us, including the applicable deposit account disclosure agreement(s), terms and conditions, and loan agreements with us.  By using the e-Statements Service, you accept and agree to be bound by the general terms and conditions governing e-Statements, including, without limitation, all the terms and conditions in this Agreement. You agree to be bound by any and all laws, rules, regulations and official issuances applicable to e-Statements now existing or which may hereafter be enacted, issued or enforced, as well as such other terms and conditions governing the use of other facilities, benefits or services that the Bank may from time to time make available to you in connection with e-Statements.

Scope of Consent for Electronic Delivery of Notices
Your consent to receive electronic notices covers any notice or other type of communication provided to you pursuant to the terms of this Agreement. Delivery of some disclosures in electronic form does not require the Bank to deliver all disclosures or all disclosures of a particular type electronically, including, but not limited to, Privacy Notice, Error Resolution Disclosure required by the Electronic Fund Transfer Act (Regulation E) and Billing Error Disclosure required under the Truth in Lending Act (Regulation Z). We may make all notices, attachments, and/or documents available electronically.

Preston National Bank e-Statement Procedures
When you click on the "I Consent" box all of your account(s) you have complete access to under your user login will be converted to e-Statements.  You must notify Preston National Bank of any accounts you wish not to be converted to e-Statements.  If your statement cycle coincides with the date of your e-Statement enrollment, you will not begin receiving your electronic statement until your next statement cycle.
Each month, we will send an automated notification to the e-mail address designated by you informing you that your e-Statement is ready for viewing. This e-mail will be sent shortly after the end of your statement period.  The e-mail will also be the only notice you will receive of the availability of your e-Statement online. Please be sure to add Preston National Bank to your safe list so that the notification e-mail does not go into your spam or trash folders.  Your electronic statement will be available for viewing for up to 5 years from the applicable statement date.
We will automatically turn off the paper statements for the account(s) once you have enrolled for e-Statements.  You will need to access all future statements for the account(s) through the Bank’s Online Banking. You will be able to download, review and/or print your periodic account statements and/or check images.

Review of e-Statements
Your receipt of e-Statements does not in any way alter your obligation to promptly review your e-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 statement, you are still fully responsible to review the statement for any errors, unauthorized transactions, or any other irregularities. All provisions as set forth in the applicable deposit account disclosure agreement(s), terms and conditions, and loan agreements shall continue to apply.

Requesting a Paper Copy of Your Account Statement

At any time, you may request a paper copy of any periodic statement or disclosure which has been delivered electronically. Paper copies may be acquired by contacting Preston National Bank at 972-960-6000. We will provide the statement or disclosure to you via U.S. Mail. You will be charged the standard copy and research fees for production of a paper copy of your periodic statement.

Your Right to Withdraw Consent
You retain the right to withdraw your consent for electronic delivery of periodic statements.  You may withdraw your consent at any time by giving us at least ten (10) days prior notice. Contact us by certified mail, in person at 5644 LBJ Freeway, Dallas, TX  75240 or through logging in to internet banking and clicking on the message icon and send a message under "Contact Us".  Once you have withdrawn your consent we will discontinue the e-Statement Service for the account and paper statements and notices will be resumed. The cancelation of e-Statements in no way affects the validity or legal effect of all e-Statements and disclosures which have been previously delivered electronically under the e-Statements Service. The bank may charge a fee to resume mailing of paper statements and notices.

Change of Mailing Address, Email Address, and Other Information
You agree to notify us immediately of any change in your mailing address, e-mail address or other information relevant to this Agreement. To notify us of any changes contact us by mail at 5644 LBJ Freeway, Dallas, TX  75240 or through logging in to internet banking and clicking on the message icon and send a message under "Contact Us".   Please note that you must provide us with a current e-mail address in order to use the e-Statement Service.  It is your responsibility to notify the Bank in writing of changes to your mailing address for U.S. Mail delivery of other account documentation, including, but not limited to, all year-end tax reporting documents.

Joint Accounts
If your account is owned jointly with another person, either one of you may consent to receive or cancel e-Statements and electronic notices/disclosures. Such consent to access e-Statements shall apply to all owners. A notification e-mail to one owner of a joint account is considered notice to all owners.

You understand the importance of your role in preventing misuse of your accounts and you agree to promptly examine your e-Statement for each of your accounts as soon as you can access it. You must report any errors or discrepancies in accordance with our Account Disclosure as provided to you and according to applicable law.
Your Access ID and Password that are used to access Online Banking Services should be kept confidential. We strongly recommend that you change your password regularly. You are responsible for keeping your password, account numbers, and other account data confidential.  You further understand and agree to notify the Bank immediately if your Password should become compromised or known to individuals who are not authorized by you.

Business Account Security                                                                                            
You agree that you are responsible for adding and deleting online banking privileges for your employee(s).

System Requirements
In order for you to access and retain your e-Statement records, your personal computer must meet the following requirements:

  • Internet and e-mail access
  • A certified/supported browser that supports 128-bit encryption
  • Adobe Acrobat Reader  7.0 or higher

If your browser does not support 128-bit encryption, you must upgrade it to allow access to your e-Statements. We strongly discourage you from using unsupported browsers as they may not allow our Online Banking Service to function or display properly and may fail to meet our security requirements.

Change in Terms
The Bank reserves the right to change this agreement (including fee schedule) at any time.  We agree to give you notice if required. We shall update this agreement on our website and may notify you of such changes by mail or electronic message to your most recent addresses listed on our records. Required notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees, any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If advance notice is not required we will provide you with electronic or written notice within thirty (30) days after the change. By using the e-Statement Service when such changes become effective, you agree to be bound by the revised terms and conditions contained in the agreement or you can decline the changes by discontinuing the use of the e-Statement Service and notifying us of your election in written form by Certified U.S Mail, in person or by selecting the contact us link when signed on to online banking.

Disclaimer of Warranty and Limitation of Liability
You agree that the Bank shall not be held liable if you are unable to gain access to the website or the Bank’s Online Banking  Service from time to time.  You understand that some or all of the e-Statement Services and/or other system services may not be available at certain times due to maintenance and/or computer, communication, electrical or network failure or any other causes beyond the Bank’s control. 

The Bank makes no warranty that:

  • The service will be uninterrupted, timely, secure or error-free 
  • The results that may be obtained from the use of the service will be accurate or reliable
  • The quality of any products, services, information or other material purchased or obtained by you through the service will meet your expectations or requirements
  • Any errors in the software will be corrected

The Bank shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses resulting from:

  • The use or the inability to use the service
  • Unauthorized access to your transmission
  • Unauthorized alteration of your data
  • Statements or conduct of the third party service provider
  • Any other matter relating to the service

Our Right to Terminate
The Bank has absolute discretion to make the e-Statement Service available to you. Further, the Bank has the discretion from time to time and upon giving notice to you to modify, restrict, withdraw, cancel, suspend or discontinue the e-Statement Service without giving any reason and you understand that by using e-Statement Service after any modification or change has been affected, you would have agreed to such modification or change. The bank will temporarily disable e–Statement services if you have not logged in to online banking for 90 days.

By checking the box  and clicking “I Consent” on the enrollment page, you consent and agree to receive bank statements, legal notices, and disclosure from Preston National Bank by  electronic methods instead of paper statements, legal notices, and disclosures.

You warrant that you have the appropriate equipment and software to provide the ability to receive and retain e-Statements and notices, and warrant that you have appropriate authority to act on behalf of the owners of any and all accounts.


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