Effective Date: April 1, 2013
As part of your relationship with us, we want to ensure you have all the information you need to effectively manage your accounts. Our goal is to provide you with as many options as possible for receiving your account documents. Please read this Electronic Communications Disclosure ("eCommunications Disclosure") thoroughly - It contains important information about your legal rights. This eCommunications Disclosure covers all of your accounts, products, and services with the Bank accessible, either currently or in the future, through Online Banking, our website, or other electronic means. This includes, but is not limited to, the following account, product, and service types: deposit accounts, credit card, loan, and other services. Your Legal Rights Certain laws and regulations require us to provide specific information to you in writing, which means you have a right to receive that information on paper. We may provide such information to you electronically if we first present this eCommunications Disclosure and obtain your consent to receive the information electronically. Your consent will also apply to any other person named on your account, product or service, subject to applicable law. Since certain of our accounts, products or services are provided online and use electronic means to deliver some of this information, you must consent to this eCommunications Disclosure in order to use these services. At times, we may still send you paper communications, but as a basic proposition we need to know that you are willing to receive communications electronically that we may otherwise be required to provide on paper and that you have the hardware and software needed to access to this information. Types of Electronic Communications You Will Receive You understand and agree that we may provide to you in electronic format only, by posting the information on the website where you access your accounts, products or services, through e-mail (if applicable and if you have provided a valid e-mail address), or other electronic means, any agreements, disclosures, notices, and other information and communications regarding your accounts, services and products, the use of our websites or our other electronic services, your relationship with us, and/or other programs, products or services that are or may be in the future made available to you (collectively, "Communications"). Such Communications may include, but are not limited to:
This eCommunications Disclosure and any updates; The Online Banking Service Agreement, other service or user agreements for access to our
websites or other electronic services, all updates to these agreements and all disclosures, notices and other communications regarding transactions you make through websites or our other electronic services;
Disclosures, agreements, notices and other information related to the opening or initiation of
an account, product or service including, but not limited to, account agreements, fee schedules or other disclosures or notices that may be required by the Truth in Savings Act, Electronic Fund Transfer Act, Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Gramm Leach Bliley Act, the Real Estate Settlement Procedures Act or other applicable federal or state laws and regulations;
Periodic, annual, monthly or other statements, disclosures and notices relating to the
maintenance or operation of an account, product or service including, but not limited to account information, account activity, account inactivity, payments made or due, or other
statements, disclosures or notices that may be required by the Truth in Savings Act, Electronic Fund Transfer Act, Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Gramm Leach Bliley Act, the Real Estate Settlement Procedures Act or other applicable federal or state laws and regulations;
Any notice or disclosure regarding an account, product or service fee, such as a late fee, an
overdraft fee, an over limit fee, a fee for a draft, check or electronic debit returned for any reason, such as insufficient funds fee or a fee as a result of a stop payment order;
Any notice of the addition of new terms and conditions or the deletion or amendment of
existing terms and conditions applicable to accounts, products or services you obtain from us;
Certain information or forms that we request from you and ask you to submit electronically,
such as signature cards, W-9s, or other agreements.
Types of Communications You Will Receive in Paper This eCommunications Disclosure does not apply to any communications that we determine, in our sole discretion, that we are required to deliver in paper form under applicable law or that you should receive in paper rather than electronic form. Such communications shall be mailed to the primary address we show for you in our records or otherwise delivered as required by law or the governing agreement. Hardware and Software Requirements While you may be able to access and retain the Communications using other hardware and software, we currently support the following minimum requirements: For Online Banking through a personal computer:
Windows Vista, Win 7, Win 8; or Macintosh OS 10.x
Access to the Internet and a compatible Internet browser which supports HTML 4.0 and
For PC using Windows Vista, Win 7, or Win 8 or
Microsoft Internet Explorer 8.0 and higher Firefox 3.5 and higher Chrome 2013 and higher Safari 5.1 or higher
Safari 3.0 and higher Firefox 3 and higher Chrome 4.0 and higher
For Online Banking through a mobile device (“Mobile Banking”):
A mobile device with a compatible operating system, such as:
iOS 4 and higher Android OS 2.2 and higher for mobile handsets Android OS 3.0 and higher for tablets Windows Phone 7 and higher (alerts only);
Access to the Internet using the default browsers included by your mobile device manufacturer; or The latest Bank App compatible with your device platform
Note: “Mobile Banking” refers to smartphones and cell phones that access Online Banking through the Bank’s Mobile Banking App or through our website. For Bank website:
You must have access to a personal computer with compatible browser software such as
Microsoft Internet Explorer; Adobe Acrobat Reader; and Internet access (at your cost).
Most Communications provided within our websites are provided either in HTML and/or PDF format. For Communications provided in PDF format, Adobe Reader 6.0 or later versions is required - A free copy of Adobe Reader may be obtained from the Adobe website at The Adobe Website - www.adobe.com. In certain circumstances, some Communications may be provided by e-mail. You are responsible for providing us with a valid e-mail address to accept delivery of Communications. At our option, we may also post the emailed Communications within our websites. In this situation, you agree that once we email the Communications to you and post them within our websites, that we have delivered the Communications to you in a form that you can retain. To print or download Communications you must have a printer connected to your device or sufficient hard-drive or other storage space to store the Communications. How to Withdraw Your Consent to this eCommunications Disclosure Subject to applicable law, you may withdraw your consent to this eCommunications Disclosure by calling 1-800-555-6895 or submitting the “contact us” form on our website. You will not be charged a fee for withdrawal of your consent. For Online Banking, if you withdraw your consent to this eCommunications Disclosure, we may stop providing you with Communications electronically and we may terminate your Online Banking access. Your withdrawal of consent is effective only after you have communicated your withdrawal to the Bank by calling 1-800-555-6895 and the Bank has had a reasonable period of time to act upon your withdrawal. Your consent shall remain in force until withdrawn in the manner provided in this section. Consent Coverage; Certain Notices from You Are Not Covered. Applicable law or contracts sometimes require you to give us "written" notices. You must still provide these notices to us on paper. Your consent here does not relate to those notices. Obtaining Copies of Electronic Communications You may print or make a copy of Communications by printing or saving a copy - do this when you first review the Communications because after submission we do not necessarily keep them all in a place that you can access. Upon request, we will provide you with a paper copy of any Communications provided electronically by us to you pursuant to this eCommunications Disclosure, provided we receive your request within 12 months after the date the Communication was first made available to you electronically. You may request a paper copy of these Communications by calling us at 1-800-555-6895.
Be sure to specify your account, service or product identification number, as applicable, the specific Communication for which you are requesting a paper copy, and the address to which it should be mailed. We may charge fees for paper copies of the Communications. Updating Your Contact Information In the event that your e-mail address or other contact information is changed, you must notify us of such changes immediately by calling 1-800-555-6895 to communicate the contact information changes.
Research Plus June/July 2013 PTSD prevention A systematic review of the effectiveness and potential harm of psychological, pharmacological and emerging interventions to prevent post-traumatic stress disorder (PTSD) in adults found a general lack of robust evidence. Only interventions designed to work in the first three months after the traumatic exposure were included (19 included stud
The last 30 years has seen witness to the fastest growth of agricultural chemicals ever to be dumped on our planet’s soil. It is estimated that, world wide, the agricultural chemical industry is producing about 45,000 to 50,000 different pesticides based on approximately 600 active ingredients. In one year the UK alone sold 23,504 tonnes of active ingredients for the purpose of use in agricu