March 1, 2006
WELCOME TO BREMER ONLINE STATEMENTS
Bremer Online Statements (the "Service") is provided by Bremer Bank, N.A. ("Bremer", "we" and "us") to clients using Bremer Online Banking.
If you wish to have a hardcopy of this agreement, either print a copy now, click here to download an Adobe Acrobat version of the file, or call a Bremer Phone Banker at 1-800-908-BANK (2265).
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:
Bremer Phone Bank
Toll Free: 1-800-908-BANK (2265)
Bremer Service Center
8555 Eagle Point Boulevard
Lake Elmo, MN 55042
What records will you provide to me electronically?
If you consent, you will receive electronic records that relate to our Bremer Online Banking Services ("Services"). Bremer Online Statements are offered for eligible deposit accounts and linked lines of credit, allowing you to replace your mailed (paper) statement with an electronic version that you can view, save to your computer or print at your convenience.Subject to applicable law, the Bremer Online Statements that we maintain in our internal records shall be the controlling records on this account. We are not responsible for any unauthorized electronic or other alteration of statements or other records available through the Services. Any legal notices and disclosures that normally accompany your mailed statement will be delivered to you electronically. After enrolling in Bremer Online Statements, you will no longer receive a mailed (paper) statement. Bremer Online Statements will replace your mailed statement in its entirety.
Do I have an option to receive these records in non-electronic form?
Yes. If you select Cancel, at the end of this e-Disclosure, you will receive your statements and legal notices by mail in paper form.
Can I get a paper copy of the records if a special need arises?
Yes. Additional fees may be charged based on the requested information.
If I consent to receive Bremer Online Statements and legal notices and disclosures 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. You can withdraw your consent by calling us at 1-800-908-BANK (2265) or by contacting us at email@example.com. You will not be charged a fee for doing so. When you turn off Online Statements, you will automatically begin receiving mailed (paper) statements and legal notices with your next statement cycle. Additional fees may apply.
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 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. All of your daily transactions, payments, and funds transfers will appear on Bremer Online Banking and on your Bremer Online Statement(s). 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.
How will the electronic records be provided to me?
We will notify you by email that your current month’s statement is available the day after the statement is cut.
Are there other special requirements for Bremer Online Statements?
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.
If you download or print any confidential materials be sure that you store them in a secure environment, just as you would paper-based financial records.