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ELECTRONIC COMMUNICATIONS DISCLOSURE
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.
If you fail to update or change an incorrect or invalid e-mail address or other contact information, you
understand and agree that any Communications shall nevertheless be deemed to have been provided to
you if they were made available to you in electronic form on our websites, e-mailed to the e-mail address
we have for you in our records, or delivered through other electronic means. Retain Copies for Your Records
We recommend that you print or download a copy of this eCommunications Disclosure, the applicable
service agreement and all other Communications to retain for your permanent records; if you have not
policy. Federal Law
You acknowledge and agree that your consent to electronic communications 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, and that you and the bank both intend that the act
apply to the fullest extent possible to validate our ability to conduct business with you by electronic
The bank reserves the right, in our sole discretion, to discontinue the provision of your electronic
communications, or to terminate or change the terms and conditions on which the bank provides
electronic communications. The bank will provide you with notice of any such termination or change as
required by law.
Medical exchange programme to Kabwe, Zambia – June 2009: Dr Alastair Teague , SpR Chelsea and Westminster Hospital In June of this year I had the opportunity to take part in a medical exchange programme for doctors looking after patients with HIV. I travelled to Kabwe, the principle town of the central province of Zambia for a two week placement. Kabwe has a population of approximately 21
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