FIRST PRIVATE BANK & TRUST
E-SIGN CONSENT DISCLOSURE STATEMENT
E-Sign Consent Disclosure Statement
This E-Sign Consent Disclosure Statement (“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 www.1stprivate.com ;
Call us at (818) 501-1700; or
Write to us at: First Private Bank & Trust
16000 Ventura Blvd.
Encino, Ca. 91436
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: First Private Bank & Trust Consumer Online Banking Agreement and Disclosure (“Agreement”), change in terms notices (without regard to whether the change in terms is governed by Regulation E); notices or disclosures required under applicable privacy laws and any other notice, record or other type of information that is provided to you in connection with the Agreement. For purposes of this Statement, the aforementioned records will be referred to individually and collectively as “electronic records.”
Do I have an option to consent to these records in non-electronic form?
No, not really. If you want to establish and/or maintain our Online Banking Service, it was designed and built to provide records to you in electronic form. Put another way, our Online Banking Service is an electronic banking product that does not have a paper-based alternative. You will not be able to utilize this service if you choose not to consent to (or if you withdraw your consent to) receiving the electronic records described above.
Can I get a copy of the records in non-electronic 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 five (5) 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 3 weeks 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.
However, remember that the Online Banking Service does not support paper-based electronic records. So the consequence to you, if you withdraw your consent to electronic records, is that we will cancel your access to the Online Banking Service.
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. For Windows 98, Windows 2000, Windows ME, and Windows XP, you will need a minimum web-browser version of Internet Explorer 6.0 (or higher), Netscape Communicator 6.1 (or higher) or Firefox 1.0 (or higher) with e-mail capability. For Mac OS X you will need a minimum web-browser version of Microsoft Internet Explorer 5.2 (or higher), Netscape Communicator 7.0 (or higher), Firefox 1.0 (or higher), Safari 1.0 (or higher), Camino 0.8.1 (or higher) or Opera 7.54 (or higher) with e-mail capability. 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, we will cancel your access to the Online Banking Service (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?
The “First Private Bank & Trust Consumer Online Banking Agreement and Disclosure” will be provided to you after you give your consent, by clicking “I agree” below. The other electronic records will be provided to you by e-mail or by posting it on our website.
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.
You will be asked for your current e-mail address if you consent to receiving electronic records. You can update your e-mail address by logging onto your online account at www.1stprivate.com , accessing your personal online banking system, clicking on the “Change Options” link and then clicking on the “Change E-mail Address” from the menu of choices.
If you download or print any confidential materials, such as your transaction history, be sure that you store them in a secure environment, just as you would paper-based bank records.
Please indicate your consent to the above terms by clicking on the “I Agree” button below. By providing your consent you also confirm that: (1) your system meets the requirements set forth above; (2) you are able to access the electronic records electronically; (3) you agree to receive electronic records electronically; and (4) you are able to access and print or store information presented at this website.
