E-STATEMENT DISCLOSURE AGREEMENT

 System Requirements:

·          Personal computer with Windows 98, Windows 2000, Windows ME, Windows NT, Windows Vista or higher operating system

·          Internet browser with 128-bit encryption

·          Adobe Acrobat 6.0 or higher 

E-Statement and Account E-Notice/Disclosure Agreement:

In consideration of the E-Statements to be provided by FARMERS STATE FARMERS STATE BANK as described from time to time in information distributed by Farmers State Farmers State Bank to its customers, the undersigned CUSTOMER agrees as follows: 

1.        The undersigned hereby requests and authorizes FARMERS STATE BANK to send notice of regular periodic account statement(s) to CUSTOMER or their agent, in lieu of a paper copy, in electronic format for all accounts designated in this agreement to be viewed through SERVICES via the FARMERS STATE BANK’S Online Farmers State Banking Service or via E-mail Delivery Service with a Password.  By utilizing the SERVICES, CUSTOMER agrees to be bound to all rules and regulations applicable to CUSTOMER’S deposit account and any other contract for services at FARMERS STATE BANK as established and amended by FARMERS STATE BANK.  Customer agrees to promptly review E-statement and notify FARMERS STATE FARMERS STATE BANK of any errors within 60 days as described in “In Case of Errors or Questions About Your Statement” disclosure. 

2.        CUSTOMER agrees to receive periodic account notice in an electronic format.  FARMERS STATE FARMERS STATE BANK will provide this information in a clear, conspicuous manner that CUSTOMER can print and/or store.  The consent granted by this paragraph applies to all accounts identified in this agreement.  FARMERS STATE BANK will notify CUSTOMER of any material change in hardware or software required for retrieving or storing this disclosure information. 

3.        CUSTOMER understands their right to revoke this agreement and thereby withdraw consent to communicate with the FARMERS STATE BANK electronically.  In order to withdraw consent and terminate this agreement, CUSTOMER must notify FARMERS STATE BANK in writing at the following address: FARMERS STATE BANK, Attn: E-Farmers State Banking Department, P.O. Box 499, Groesbeck, TX  76642-0499. There are no fees associated with rescinding this agreement. 

4.        CUSTOMER understands that CUSTOMER has a right to obtain a paper copy of any of the above-described E-Statements.  To obtain a paper copy, CUSTOMER must make a specific request to the FARMERS STATE BANK at the above address.  Research fees specified in the FARMERS STATE BANK’S Schedule of Fees and Charges may apply to CUSTOMER’s request pursuant to this paragraph. 

5.        CUSTOMER agrees to notify the FARMERS STATE BANK immediately if CUSTOMER is unable to access any of the information that has been delivered by the FARMERS STATE BANK in an electronic form or manner. 

6.        CUSTOMER agrees to provide the FARMERS STATE BANK with signed, written notice if CUSTOMER's e-mail addresses changes. 

7.        FARMERS STATE BANK shall not be responsible or liable for:

·          Consequential or incidental damages for negligent performance by FARMERS STATE BANK of its SERVICES.

·          Damages arising from unauthorized access to E-Statement Services.

·          Any costs associated with updating, modifying or terminating CUSTOMER’S software or hardware.