Definitions
As used in this Agreement, the words “we”, “our”, “us” and “CSB” mean Community State Bank. “You” and “your” refer to the accountholder authorized by CSB to receive electronic delivery of periodic account statements “eStatements” under this Agreement. “Account” or “Accounts” means your accounts at CSB.

Requirements
In order to receive your statement via email, you must meet the following hardware and software requirements:

PC running	Macintosh running
• Windows 98 or higher	• OS X 10.1 or higher
• Internet Access	• Internet Access
• Internet Explorer 5.0 or higher	• Internet Explorer 5.0 or higher
• Email Software	• Email Software
• Acrobat Reader 5.0 or higher	• Acrobat Reader 5.0 or higher

To view your online statement, you must also be enrolled in our Online Banking product. Access to Online Banking is free to Community State Bank customers. Please review our Terms and Conditions and setup procedures regarding our Online Banking product on our website at http://www.communitystatebank.net before signing up for this eStatements service.

Agreement
This Agreement is a contract that establishes the terms covering the electronic delivery of your periodic account statements (“eStatements”) for your accounts at Community State Bank (CSB). By entering into this Agreement, you accept all the terms and conditions contained herein. Please read it carefully. If you sign up to receive eStatements, the terms and conditions of the deposit agreement and disclosures for each of your CSB accounts, as well as your other agreements with CSB such as loans, continue to apply.

Consent to Electronic Delivery of Account Statements (eStatements)
When you sign up for eStatements, you agree to receive your periodic account statements online through our eStatements service. Your electronic statements will contain the same content as the paper version you have been receiving, which includes: account balances, transaction activity, electronic funds transfer information, year-to-date interest, and error notification procedures. The choice (paper or eStatements) that is recorded on our system on the day the statement is generated will be the only method used to deliver that month’s statement.

Security
eStatements utilizes state-of-the-art encryption technology such as SSL (Secure Socket Layer) to protect the transmission of data to and from our users. SSL allows software to communicate with web servers in a secure, encrypted manner. The eStatements server resides behind firewalls, which block unwanted access. You understand the importance of your role in preventing misuse of your accounts and you agree to promptly examine your eStatements for each of your accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, and your personal identification number and/or password.

Periodic Statements
We will send an e-mail to the address you specify to advise you when your eStatement is available, and we will provide a website link for you to access it. After clicking on that link, you will be asked to provide your Access ID and Password in order to ensure a secure communication of your statement information. (If you're not enrolled in our Online Banking service, please refer to the Requirements Section above). Your statement will become available on the eStatements site incrementally each month after you enroll for the service. You may also wish to print the statements. There are no special equipment requirements; your current printer is all you need. There are no fees or account restrictions for using eStatements. Additionally, you have unlimited access to your active statements via eStatements. Please note if you request an additional paper copy from CSB, applicable statement copy fees will be assessed per our current Accounts & Services Fee Schedule. In order to access your eStatements, you will need “Adobe Acrobat Reader.” This is free software available as a link on our website at http://www.communitystatebank.net or at http://www.adobe.com.

Undeliverable Email
In the event that an email cannot be received due to an unforeseen occurrence (bad email address, server malfunction, power outage, etc.), we will use reasonable steps to attempt redelivery using information in our files such as 1) contacting you by phone to correct the issue or 2) sending you a paper copy of your statement - free of charge - in the mail. If the error cannot be resolved, you will be switched back to a paper statement.

Exclusion of Warranties
This service and related documentation are provided “as is” without any warranty of any particular kind either expressed or implied, including, but not limited to the implied warranties of merchantability and fitness for particular purpose.

Alterations and Amendments
The terms of this Agreement, applicable fees, and service charges may be altered or amended by Community State Bank from time to time. In such an event, CSB shall mail a notice to you at your address as it appears on CSB records. Any continuation of the service after CSB sends you a notice of change will constitute your agreement to such change(s). Further, Community State Bank may, from time to time, revise or update the Community State Bank program, services, and/or related material(s) rendering prior versions obsolete. Consequently, Community State Bank reserves the right to terminate this Agreement as to all such prior versions of the Community State Bank programs, services, and/or related material(s) and to limit access to Community State Bank's more recent versions and updates.

Right to Terminate
You may withdraw your consent to receive eStatements by notifying us in writing. Write to: eStatement Services, Community State Bank, 1500 Main Street, Union Grove, WI 53182. If you notify us in writing, it may take until the next statement cycle from receipt of your written notice of cancellation for you to receive your next monthly printed mailed statement, with all subsequent printed and mailed statements arriving monthly thereafter. You agree that we can terminate your eStatements and revert to printed mailed statements for any reason at any time.

Assignment
You may not assign this Agreement to any other party. Community State Bank may assign this Agreement to any present or future, directly or indirectly, affiliated company. Community State Bank may also assign or delegate certain rights and responsibilities under this Agreement to independent contractors or other third parties.

No Waiver
Community State Bank shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by Community State Bank. No delay or omission on the part of Community State Bank in exercising any right or remedy shall operate as a waiver of such right or remedy or any other rights or remedies. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Captions
The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

Governing Law
The laws of the State of Wisconsin and applicable Federal laws and regulations shall govern this Agreement.

Communications between Community State Bank and You
If you have any questions regarding our eStatements service, please email
eStatements@communitystatebank.net or, you may call 262-878-3763, or write to: eStatement Services, Community State Bank, 1500 Main Street, Union Grove, WI 53182.