E-Sign Consent to Use Electronic Records and Signatures

Please click here to view a PDF version of this form.

As part of your relationship with us, we want to ensure you have all of 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. We are required by law to give you certain information in writing, which means you are entitled to receive it on paper. We may provide this information to you electronically, instead, with your prior consent. We also need your general consent to use electronic records and signatures in our relationship with you. So, before you use our Electronic Services, you must review and consent to the terms outlined below.

In this consent:
• “We,” “us,” “our” and “River Bank & Trust” means River Bank & Trust.
• “You” and “your” means the person giving this consent, and also each additional account owner, authorized signer, authorized representative, delegate, product owner and/or service user identified on any River Bank & Trust product that you apply for, use or access.
• “Communications” means each disclosure, notice, agreement, fee schedule, statement, record, document, and other information we provide to you, or that you sign or submit or agree to at our request.
• “Electronic Service” means each and every product and service we offer that you apply for, use, administer or access using the Internet, a website, email, messaging services (including text messaging) and/or software applications (including applications for mobile or hand-held devices), either now or in the future.
• “River Bank & Trust Product” means each and every account, product or service we offer that you apply for, own, use, administer or access, either now or in the future. River Bank & Trust Products include Electronic Services.
• The words “include” and “including,” when used at the beginning of a list of one or more items, indicates that the list contains examples—the list is not exclusive or exhaustive, and the items in the list are only illustrations. They are not the only possible items that could appear in the list.

1. Your consent to use electronic records and signatures; Choosing to receive Communications electronically or in writing; Certain information must still be provided in writing. In our sole discretion, the Communications we provide to you, or that you sign or agree to at our request, may be in electronic form (“Electronic Records”). We may also use electronic signatures and obtain them from you as part of our transactions with you.
Electronic records may be delivered to you in a variety of ways. In some cases, you will be able to choose whether or not to receive certain Communications electronically, or on paper, or both. We will provide you with instructions on how to make those choices when they are available.
We may always, in our sole discretion, provide you with any Communication in writing, even if you have chosen to receive it electronically.
Sometimes the law, or our agreement with you, requires you to give us a written notice. You must still provide these notices to us on paper, unless we specifically tell you in another Communication how you may deliver that notice to us electronically.

There are certain Communications that by law we are not permitted to deliver to you electronically, even with your consent. So long as required by law, we will continue to deliver those Communications to you in writing. However, if the law changes in the future and permits any of those Communications to be delivered as Electronic Records, this consent will automatically cover those Communications as well. We will continue to provide your tax statements on paper unless you separately elect to receive them electronically (if available).

2. Your option to receive paper copies. If we provide Electronic Records to you, and you want a paper copy, you may contact your local customer service representative and request a paper version. You may be charged a fee for the paper copy unless charging a fee is prohibited by applicable law. Please refer to the applicable agreement for any fee that may apply for paper copies.

3. Your consent covers all River Bank & Trust Products; Privacy Policies. Your consent covers all Communications relating to any River Bank & Trust Product. Your consent remains in effect until you give us notice that you are withdrawing it.

From time to time, you may seek to obtain a new River Bank & Trust Product from us. When you do, we may remind you that you have already given us your consent to use Electronic Records and signatures. If you decide not to use Electronic Records and signatures in connection with the new product or service, your decision does not mean you have withdrawn this consent for any other River Bank & Trust Product.

You agree that we may satisfy our obligation to provide you with an annual copy of our Privacy Policy by keeping it available for review on www.riverbankandtrust.com, or, with prior notice to you, on another website where we offer Electronic Services.

4. You may withdraw your consent at any time; Consequences of withdrawing consent; How to give notice of withdrawal. You have the right to withdraw your consent at any time. Please be aware, however, that withdrawal of consent may result in the termination of:
• your access to our Electronic Services, including online banking, and
• your ability to use certain River Bank & Trust Products.

Your withdrawal of consent will become effective after we have had a reasonable opportunity to act upon it.

If you are receiving online account statements, the termination will cause paper statements to be mailed to you via the U.S. Postal Service or other courier. Depending on the specific River Bank & Trust Product, if you withdraw consent we may charge higher or additional fees for that product or for services related to it. Please refer to the applicable agreement for any fee that may apply.

To withdraw your consent, please contact us at (334) 290-1012.

5. You must keep your email or electronic address current with us. You must promptly notify us of any change in your email or other electronic address. You may change the email address on record for you by going to the Account Services page within your online service and updating your contact information.

6. Hardware and software you will need. To receive Electronic Records, you must have access to:
• Current Version (defined below) of an Internet browser we support,
• a connection to the Internet,
• a Current Version of a program that accurately reads and displays PDF files (such as Adobe Acrobat Reader), and
• a computer and an operating system capable of supporting all of the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form.
• You must also have an active email address.

7. Changes to hardware or software requirements. If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain your Electronic Records, we will give you notice of the revised hardware or software requirements. Continuing to use Electronic Services after receiving notice of the change is reaffirmation of your consent.

8. Your enrollment in Electronic Services using our equipment. If you enroll for an Electronic Service through one of our customer service representatives or using our equipment, your enrollment may not be complete until you take additional action. We will advise you, at the time of your enrollment, of any additional action you must take. If you take the required action, it is an affirmation of your consent to use electronic records and signatures under the terms of this ESIGN Consent.

9. Additional examples of electronic records covered by your consent include:
• This E-Sign Consent Disclosure and any amendments;
• Our Online Access Agreement, other service or user agreements for online access to our Electronic Services, and all amendments to any of these agreements;
• All of the Communications related to any River Bank & Trust Product, except for those excluded by the terms of this ESIGN Consent Disclosure;
• All of the periodic account and activity statements, disclosures and notices we provide to you concerning your River Bank & Trust Products;
• Agreements, statements, tax reporting statements (if you elect electronic delivery), shareholder notices, prospectus, Service Notices and Performance Reports regarding accounts, products and services offered by or through River Bank & Trust
• Any notice or disclosure regarding fees or assessments of any kind, including late fees, overdraft fees, over limit fees, and returned item fees;
• Notices of amendments to any of your agreements with us; and
• Other disclosures and notices that we are legally required to provide to you, or choose to provide to you in our discretion.

By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have an active email account. You are also confirming that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, delegates, product owners and/or service users identified with your River Bank & Trust Products.



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*For security purposes, and to ensure that you are able to receive electronic messages properly via e-mail, the e-mail provided must match the e-mail account established with River Bank & Trust. If you are in the process of establishing a relationship with us, validation of your email address will be necessary prior to account opening. E-mail maintenance will not be allowed through this consent. If you would like to maintenance your e-mail account, you may do so by logging into your on-line banking and adjusting your contact information or by visiting your local branch. Discrepancies with the submitted e-mail address and the address on file will prompt further validation, thus potentially delaying the consent process.