This statement asks for your consent so that we can provide communications and
information to you in electronic rather than in paper form. We will sometimes
use the words “electronic records” as a short way to refer to the communications
and information that we may provide electronically. Before you decide whether or
not you wish to give your consent to receiving electronic records, you should
read and consider the following information. Then, if you decide to consent, you
can click the “I Agree” button at the bottom of this statement. (For your
consent to be effective, your computer and browser will need to meet the
hardware and software requirements discussed below at “Are there any hardware or
software requirements for me to access or retain the electronic records.”)
This statement contains important information that we are required by law to
provide to you. You should keep a copy for your records. For your convenience,
this statement is written in a “Question and Answer” format. If you have any
questions about electronic records that are not answered, feel free to
communicate with us using any of the following “Contacts”:
Send us an e-mail at ClientServices@SecurityPacificBank.com;
Call us at 877-772-6611; or
Write to us at: Security Pacific Bank
Attn: Central Operations Department
845 N. Euclid Avenue
Ontario, CA 91762
What records will you provide to me electronically?
If you consent, you will receive electronic records that relate to our Online
Banking Services. These will include the following types of documents:
A.
Your SecureLink Agreement and Disclosure for Consumer Online Banking. This
Agreement contains the terms and conditions governing your online banking use.
It also contains information that we are required to disclose to you under the
following federal laws (and any implementing Federal Reserve Board or other
Regulations):
1. The Electronic Fund Transfers Act; and
2. Regulation E.
B. Other Periodic or Special Notices (such as error resolution notices if you
assert your rights under the federal consumer protection laws and regulations).
These include special notices that federal laws and regulations from time to
time might require us to provide to you.
Do I have an option to regularly receive these records in nonelectronic form?
No, not really. If you want to obtain or maintain online banking services, the
online banking services were designed and built to provide records to you in
electronic form. Put another way our online banking service is an electronic
banking service that does not have a paper-based alternative. You will not be
able to obtain or maintain online banking services if you choose not to consent
to receiving the electronic records described above.
Can I get a copy of the records in nonelectronic form if a special need arises?
Yes, you can. If you request one, we can prepare a paper-based version of any of
the electronic records you receive, for up to two years after the date it was
created. If you want us to prepare a paper-based copy, you can request it by
contacting us using one of the Contacts shown above.
If you request one, we will provide a paper-based copy of an electronic record
free of any Bank charges. Normally, we will mail paper-based copies of an
electronic record to you (at the address shown on our records) within 1 week
after the date we receive your Contact request for it.
If I consent to electronic records now, and change my mind, what can I do and
what are the consequences?
You can change your mind, and withdraw your consent, at any time. We will then
stop providing records to you electronically. To withdraw your consent, all you
need to do is contact us using one of the Contacts described above.
The consequence to you, if you withdraw your consent to electronic records, is
that we may disable your online banking services. If you gave your consent to
receive the SecureLink Agreement and Disclosure for Consumer Online Banking in
electronic form, logged onto the System using your Access ID and Password (as
defined in the SecureLink Agreement and Disclosure for Consumer Online Banking)
and then you later withdraw your consent, then we will not disable your online
banking services. However, if you gave your consent to receive the SecureLink
Agreement and Disclosure for Consumer Online Banking in electronic form but
never logged onto the System using your Access ID and Password and then you
later withdraw your consent, then we will disable your online banking services.
Are there any hardware or software requirements for me to access or retain the
electronic records?
Yes, there are. You will need a computer with sufficient memory to store
electronic records, and with a working connection to the internet. You will need
a minimum web-browser version of Internet Explorer 6.0 (or greater) or Netscape
Communicator 6.1 (or greater), with e-mail capability. For best performance, set
screen resolution to 800x600. Your browser will need to have 128-bit encryption
capabilities. You are responsible for configuring your system to accommodate
these requirements. Finally, you will need a printer if you want to print copies
of electronic records.
If we change the minimum hardware or software requirements needed to access or
retain electronic records, and the change creates a material risk that you will
not be able to access or retain a subsequent record, then before the change
takes effect we will let you know about the change and let you know what the new
requirements are.
We will notify you by e-mail, and at that time you will be allowed to choose
whether you still want to give us your consent to receiving communications or
information by electronic records. If not, you will be allowed to withdraw your
consent at that time, without any fee or charge by us.
However, if you withdraw your consent, you may not be able to access online
banking services and they may end (as described above, under “If I consent to
electronic records now, and change my mind, what can I do and what are the
consequences?”).
How will the electronic records be provided to me?
Your “SecureLink Agreement and Disclosure for Consumer Online
Banking” will be provided to you after you give your consent, by typing
in I agree in the box provided below and clicking on the submit button.
Other “periodic or special notices” will be sent to you by e-mail, unless they
contain confidential account information. If so, then these will be mailed to
you.
Are there other special requirements for electronic records?
You must provide us with your current e-mail address, and keep it current with
us at all times. Otherwise, you may not receive electronic records in a timely
manner.
We will need your current e-mail address if you consent to receiving electronic
records. You can provide your e-mail address after logging on to the online
banking services at www.securitypacificbank.com choosing “Change Options” at the
top of the page and then select “Change Email Address”.
If you download or print any confidential materials, such as your account
transaction history or account statements, be sure that you store them in a
secure environment, just as you would paper-based bank records.
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