Bank & Trust Company's
E-Services Agreement Form
Please Read the Following Carefully
before Submitting to any Bank & Trust
Facility.
ELECTRONIC DELIVERY OF BANK STATEMENTS AND ACCOUNT NOTICES
CONSENT AND AGREEMENT.

1.Welcome to the Bank's Online Electronic Delivery Service.
Our goal is to provide you with an easy and convenient way to receive your periodic Bank
Statements and Account Notices.
2.Your Consent. For the Bank to begin forwarding your Bank Statements and Account Notices to
you electronically, we need your consent. Please review the information below prior to giving
your consent. By agreeing to have your Bank Statements and Account Notices sent electronically,
you also agree to notify the Bank immediately by telephone at 217-324-6241 or 800-930-3935
or by emailing ebanking@banktr.com of any change in your email address or any
errors or complications relating to your electronic receipt or access of your Bank Statements
or Account Notices.
* Your rights/options to receive a disclosure in paper form - If you elect to receive
your Bank Statements and Account Notices through electronic delivery, the Bank will no longer
send you your statements and notices through the mail. If you want to receive your statements
and notices electronically and in paper form through the mail, you will be charged a fee for the
service of receiving statements and notices in both electronic and paper form. The fee is
$1.00 per month. The fee will be automatically debited from your account.
* Whether your consent applies only to a particular transaction or to categories of
transactions – Your consent, which will be given by clicking on the “I ACCEPT” button
or by signing a paper copy of this Consent and Agreement and providing it to the
Bank, is to authorize the Bank to forward to you electronically your periodic Bank
Statements, Account Notices and any other disclosures that the Bank might send to you
with your Bank Statements, such as Truth in Lending disclosures or other required
disclosures relating to your accounts.
* The right to withdraw consent to have records provided electronically, including
any consequences or fees associated with doing so – To discontinue this electronic
delivery service, you can email your request to ebanking@banktr.com or by
or calling the Bank at 217-324-6241 or 800-930-3935. It will take up to 45 days
for the Bank to implement your request, after such time you will no longer receive
your statements or notices electronically. We will charge a one time $15.00 fee
for discontinuing this service.
* How the consumer may obtain a paper copy of the record upon request – The steps
you must take to obtain paper copies of a particular statement or notice are to
contact the Bank via email at ebanking@banktr.com or to call 217-324-6241 or
800-930-3935.
* Hardware and software requirements for access and retention of the electronic
information – The hardware and software requirements to enable you to receive and
retain your Bank Statements electronically are discussed below in Our Requirements.
3.Our Requirements. First, the same terms apply with respect to electronically
delivered Bank Statements and Account Notices as for those delivered in paper form, and the
deposit agreements and disclosures that you have previously entered into with or received from
the Bank remain in effect.
Second, for you to be able to receive and view your statements and notices effectively, you
must use an Internet browser that supports 256-bit encryption.  Be sure to update your browsers
to latest version to assure maximum security.
Additionally, we will be using a service called CSIeSafe to safely and securely deliver your Bank
Statements and Account Notices . CSI eSafe will store your Statements and Notices electronically
for 60 days from the date of delivery. You may print or download your Statements or Notices to
retain copies of them. You may subscribe to CSIeSafe's long term storage service if you
want to retain your Statements and Notices online in secure electronic storage for more than
60 days. A file will be included with your Bank Statement delivery that will contain a list
of all of your banking transactions. That file can easily be imported into a number of
money management programs including Intuit's Quicken® and Microsoft's Money®.
4.Privacy . Our privacy policy (that has been previously provided to you ) will apply to
this service and the policy is incorporated into and made a part of this Consent and
Agreement. CSIeSafe is subject to our rules on privacy in relation to your Bank
Statements. As discussed in paragraph 6 below, you must have a unique user name and
password to access your Statements and Notices. Your user name must be a valid email address.
This email address will be used in accordance with the Bank's privacy statement to
deliver your Statements and Notices to you. It will not be sold or otherwise provided to third
parties.
5.Service Availability. The Bank may change, suspend or eliminate all or any aspect of
this delivery service upon notice to you.
6.Security. We are providing this service through CSI eSafe because of its method of
maintaining the security of confidential documents. To access your Statements and Notices
you will be required to adopt a user name and password. Your password must be at least eight
characters and contain a mix of letters and numbers. Your user name must be a valid
email address. To protect the security of your banking information, you must not
disclose or share your password with any third party. In addition, your Statements or
Notices will not be forwarded to you through email. You will be notified by email that
they are available for you to access on the CSIeSafe server.
7.NO WARRANTY FOR CONTINUOUS OR UNINTERRUPTED SERVICE.
BECAUSE OF THE UNPREDICTABILITY OF THE INTERNET, WE DO NOT
GUARANTEE CONTINUOUS OR UNINTERRUPTED ACCESS TO YOUR BANK
STATEMENTS AND NOTICES THROUGH THE INTERNET. HOWEVER,
SHOULD YOU BE UNABLE TO ACCESS YOUR BANK STATEMENTS OR ACCOUNT NOTICES,
YOU CAN CALL THE BANK AT 217-324-6241 OR 800-930-3935 AND THE BANK
WILL TAKE OTHER MEASURES TO PROVIDE COPIES OF YOUR STATEMENTS
AND NOTICES TO YOU.
ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OUR SERVICE,
EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY THAT SUCH
DAMAGE WILL OCCUR. FURTHER YOU AGREE THAT NEITHER WE NOR OUR
SUPPLIERS (OR ANY OF OUR SUPPLIER'S SHAREHOLDERS,
MEMBERS, OFFICERS, DIRECTORS OR EMPLOYEES) WILL BE LIABLE FOR
ANY TECHNICAL, HARDWARE OR SOFTWARE FAILURE OF ANY KIND, ANY
INTERRUPTION IN THE AVAILABILITY OF OUR SERVICE, ANY DELAY IN
OPERATION OR TRANSMISSION, ANY INCOMPLETE OR GARBLED
TRANSMISSION, COMPUTER VIRUS, LOSS OF DATA, OR OTHER SIMILAR
LOSS.