Consent to Electronic Delivery of Disclosures

This consent is given under the Electronic Signatures in Global and National Commerce Act. Read it before you enroll in Calder Total Access, and keep a copy. You are consenting to receive documents electronically that the law would otherwise require Calder Bank & Trust, N.A. to give you on paper.

1. What you are agreeing to receive electronically

Your consent covers, for every Account you hold now or open later: periodic statements and the notices delivered with them; the Truth in Savings disclosure and every change in terms notice; the Electronic Fund Transfers disclosure and error resolution notice; the funds availability policy; the Schedule of Fees and Service Charges and every notice of a fee change; the Privacy Notice and any annual notice; notices of adverse action, insufficient funds, overdraft and return; deposit and payment confirmations; year end tax forms, including Form 1099-INT and Form 1098 where applicable; the Online and Mobile Banking Services Agreement and every amendment to it; and any other communication the Bank is required or permitted to give you in writing.

Your consent does not cover documents that must be delivered in a particular manner by law and that the Bank has not enabled for electronic delivery, including certain notices relating to the foreclosure of a security interest, certain notices required in a repossession, and any document a court has directed be served personally. Those are still delivered on paper.

2. How documents are delivered

Documents are made available in Calder Total Access under Documents. The Bank sends a notification message to the electronic mail address on record telling you a document is available; the notification is not itself the document, and the document is considered delivered on the date it is made available in Calder Total Access, whether or not the notification reaches you and whether or not you open it. This distinction has a practical consequence: the 60 day period for reporting an unauthorized transfer runs from that date.

Statements remain available in Calder Total Access for 24 months for consumer Accounts and 18 months for commercial Accounts. Tax forms remain available for seven years. Documents older than the retention period are furnished on request under Section 6 and the statement copy charge in the Schedule of Fees and Service Charges applies.

3. Hardware and software you need

To access and retain the documents you must have:

(a) a computer or mobile device with an internet connection;
(b) an operating system currently supported by its manufacturer, which as of the revision date of this consent means Windows 10 or later, macOS 12 or later, iOS 15 or later, or Android 10 or later;
(c) a current version of Google Chrome, Microsoft Edge, Mozilla Firefox or Apple Safari, with cookies and JavaScript enabled and with support for Transport Layer Security 1.2 or higher;
(d) software able to open documents in Portable Document Format version 1.7 or higher;
(e) a valid electronic mail address that you check regularly;
(f) sufficient storage to save documents, or a printer to print them.

If the hardware or software requirements change in a way that creates a material risk that you will not be able to access or retain your documents, the Bank will give you notice of the change and a further opportunity to withdraw your consent without charge.

4. Confirming you can receive documents electronically

Before your consent takes effect the Bank will ask you to open a document in Portable Document Format and confirm that you were able to read it. If you cannot open it, do not consent, and call (423) 555-0164 for help.

5. Withdrawing your consent

You may withdraw your consent at any time, at no charge, by calling (423) 555-0164, by writing to Calder Bank & Trust, N.A., 401 Market Street, Chattanooga, TN 37402, or through Documents in Calder Total Access. Withdrawal takes effect after the Bank has had a reasonable opportunity to act on it, ordinarily within three Business Days, and it does not affect the validity of a document already delivered electronically.

Withdrawing your consent terminates your access to the Services. Calder Total Access, mobile deposit, bill payment, Calder Send and electronic alerts cannot be provided to a customer who has not consented to electronic delivery. Your Accounts remain open and are serviced on paper. The paper statement charge of $3.00 per statement cycle applies to any Account on which it would otherwise apply, and that charge is not a charge for withdrawing consent.

6. Requesting a paper copy

You may ask for a paper copy of any document delivered to you electronically. Call (423) 555-0164 or write to the address in Section 5 and state the document and the period. The Bank does not charge for a copy of a disclosure, an agreement or a notice. The statement copy charge and the tax form copy charge in the Schedule of Fees and Service Charges apply to copies of statements and tax forms. Requesting a paper copy does not withdraw your consent.

7. Keeping your address current

You must tell the Bank promptly when your electronic mail address changes. Update it in Calder Total Access under Profile, or call (423) 555-0164. If notification messages sent to the address on record are returned as undeliverable on three consecutive occasions, the Bank may suspend electronic delivery, revert the Account to paper, and assess the paper statement charge, and it may suspend your access to the Services until you provide a working address.

8. Scope of the consent

One consent covers every Account you hold, whether opened before or after the consent, and covers each joint owner who has enrolled. Where an Account has more than one owner, delivery to any one owner who has consented is delivery to all of them. A joint owner who has not enrolled continues to receive paper unless the Account has been converted to electronic delivery, in which case that owner receives nothing at all and should enroll.¹