Electronic Statement Disclosure

Electronic Statement Disclosure

This disclosure contains important information about our Electronic Statement product, also referred to as eStatements. You should keep a copy of this disclosure for your records.

eStatement Delivery

Our Internet Banking customers already experience the convenience of viewing periodic account statements online. Additional convenience and security can be achieved by enrolling in our eStatement product. When you enroll for eStatements, you can help West Plains Bank and Trust Company conserve paper by eliminating the delivery of your paper statements.

Our eStatement product is easy to use, simply login and navigate to the “Statement” page within the Internet Banking Service.

If you enroll for eStatements, for the first statement cycle, we will send you a paper statement as well as the electronic version. After the first statement cycle, your periodic account statements will only be accessible through our Internet Banking Service.

There is no charge to receive your statements electronically!

Email Reminders

If you enroll for eStatements, we will send you an email alert to the email address you provide when your statement becomes available for viewing online. You can change the email address for the statement alert at any time by accessing “User Services” within the Internet Banking Service.

The email alert will include a link that takes you to the Internet Banking login screen and after you login, it will take you directly to the “Statement” page. You can also navigate to the “Statement” page anytime after you login to the Internet Banking Service.

Statement Availability

eStatements are securely available online for 24 months starting from the date of enrollment. Check images can also be easily accessed online for 24 months. Both eStatements and check images may be downloaded or printed for permanent retention.

You may download or print eStatements or check copies from your computer if you have the hardware and software described below. You can also save copies to your hard drive or other media

Enrolling for eStatements

You may enroll for eStatements as part of the Internet Banking enrollment process, or you can “opt-in” at any time by accessing either the “Statement” or “User Services” page within the Internet Banking Service. You may also enroll by calling us at: (417) 256-2147.

You can choose to receive eStatements for all of your online accounts or just one.

Canceling eStatements

You may opt-out of eStatements at any time by accessing either the “Statement” page or “User Services” within Internet Banking. If you opt-out of eStatements, we will resume delivery of your paper statements by U. S. Mail. There may be a fee associated with the reinstatement of paper statement in accordance with the appropriate fee schedule in place at the time.

Hardware and Software Requirements

You do not need any special hardware or software to access eStatements. If you can access the Internet Banking Service, you should be able to access your eStatements. However, prior to enrolling for eStatements, you should verify that you have the following required hardware and software

• Internet Access.
• A computer and Internet browser that can support 128-bit encryption.
•Note: For security purposes, you should use the most current version of either: Microsoft Internet Explorer, Netscape Navigator/Communicator, or AOL’s browser. The most current browser versions are typically more secure and will support 128 bit encryption. Browser upgrades are accessible on the Internet banking login page.
• Access to a printer or storage medium such as a hard drive so that you can download and/ or print disclosures and/or statements for your records.
• An external email address.

We may revise hardware and software requirements, and if there is a material chance that the changes may impact your ability to access eStatements, we will notify you of these changes in advance and provide you an opportunity to change your method of receiving disclosures (e.g. change to paper format vs. an electronic format) without the imposition of any fees.

Email Address Changes

In order to provide eStatements, we must maintain current customer email addresses at all times. It is your sole responsibility to provide us with your correct contact information, including your email address.

You should notify us of any changes to your personal contact information or you can update your personal information through “User Services” in the Internet Banking Service.

Proceed with Acceptance of E-Disclosures

With your acceptance, you agree to accept periodic deposit account statements in an electronic format. You also agree that you have the necessary equipment for accessing and viewing eStatements and you agree to notify us if you change your email address or if you no longer want to receive statements electronically.