E-Sign Agreement

The words "we", "us", and "our" refer to First Federal Community Bank, SSB, and the words "you" and "your" mean you, the individual(s) or entity identified on the account(s). As used in this Agreement, "Account" means the account you hold with us. "Communication" means any customer agreements or amendments thereto, monthly billing or account statements, tax statements, disclosures, notices, responses to claims, transaction history, privacy policies and all other information related to the product, service or account, including but not limited to information that we are required by law to provide to you in writing.

Pursuant to the federal Electronic Signatures in Global and National Commerce (ESIGN) Act, we must obtain your consent prior to delivering legal disclosures to you in electronic format. Additionally, we wish to inform you of your rights as follows:

Note: It is highly recommended that you carefully read this disclosure in its entirety and save a copy for your personal records.

1. Scope of Communications to be Provided in Electronic Form

You agree that we may provide you with any Communications that we may choose to make available in electronic format, to the extent applicable by law, and that we may discontinue sending paper Communication to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:

  • All legal and regulatory disclosures and communications associated with the opening of an account and products or services available through Online Banking. As an example, First Federal Community Bank, SSB, may choose to send by e-mail legally required notification of changes to terms and conditions related to Online Banking.
  • Notices and disclosures about a change in the terms of your Account or associated payment feature and responses to claims
  • Privacy policies and notices
  • Monthly (or other periodic) billing or account statements for your account(s) or such other Communication that we may include from time to time as part of the enrollment in the E-Statement program.

2. Method of Providing Communications to You in Electronic Form

All Communications that we provide to you in electronic form will be provided by access to a web site that we designate, in an e-mail notice we send to you at the time the information is available. Electronic Statements and other Communication notification will be delivered to the e-mail address provided at the time of enrollment, advising you of the availability and the web site where you can access your Communications.

3. Change in E-Mail Address

If the e-mail address where you receive notifications for eStatements and other electronic Communication availability should change, you are responsible for logging into your web account and changing your address to the new email address. If that is not possible, please contact the bank immediately at 903-784-0881 to ensure that you receive proper notification from us regarding your electronic Communications.

4. How to Withdraw Consent

You or the bank may terminate the electronic delivery of Communications at any time. You may withdraw consent to receive Communications in electronic form by calling us at 903-784-0881; or mailing notice to:


First Federal Community Bank, SSB
PO Box 370
Paris, TX 75461-0370

At our option, we may treat your provision of an invalid e-mail address, or the subsequent malfunction of a previously valid e-mail address, as a withdrawal of your consent to receive electronic communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal. After you withdraw consent to receive periodic statements electronically, you will begin to receive paper statements within two (2) statement cycles.

If you request to withdraw consent to receive electronic Communications, including eStatements for your Certificate of Deposit account(s) opened online, your account will be terminated and a check for the current balance, plus accrued interest, will be mailed to the address on file.

If you request to withdraw consent to receive electronic Communications, including eStatements for any savings or transaction accounts (i.e. Savings, checking, money market) opened online, a monthly service charge fee (See Fees and Common Features Disclosure provided at account opening) will be charged to your account for processing paper statements and disclosures.

5. Joint/Multiple Owner Accounts

If your account is held jointly with another person or with multiple account owners, one of you may consent to receive disclosures electronically and that personís election to receive Communications in electronic form shall apply to all account owners. We will then send the notice regarding the availability of Communications to the e-mail address provided at the time of enrollment to the eStatement service or Online Banking.

6. Software and Hardware Requirements

To access, view, and retain electronic Communications your system may need the following features:

  • An email account with an Internet service provider and email software;
  • An online account with First Federal Community Bank, SSB, to securely access documents.
  • A computing device manufactured within the last 7 years having a Microsoft, Apple or Android operating system which has not exceeded its lifecycle and is currently supported by its publisher.
  • This device must have sufficient Internet access and electronic storage capacity to be capable of receiving, accessing, displaying, and either printing or storing Communications received.
  • This device must have an app or application capable of using Portable Document Format (PDF) files meeting the current standards for "full function PDF" as published by the International Organization for Standardization (ISO). A current version of Adobe Acrobat Reader will suffice.

7. Requesting Paper Copies

We will not send you a paper copy of any Communication, including eStatements, which is available electronically; unless you request it, or we otherwise deem it appropriate to do so. You may request paper Communications by calling 903-784-0881. We may charge you a reasonable service charge, of which we have provided you prior notice, for the delivery of paper copies of any Communication provided to you electronically pursuant to this Agreement. We may change the types of Communications eligible for electronic delivery from time to time. We may, but are not required to send you notice when new important features are added to the service.

8. Disclaimer of Warranty and Limitation of Liability

We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the Communications provided to you under this Agreement. We do not and cannot warrant that eStatements and other Communications will operate without error, or that the services will be available at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of eStatements and Communications, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty or any other legal theory.

9. Change in Terms

We reserve the right, in our sole discretion, to change the terms of this Agreement at any time. We may change the types of Communications eligible for electronic delivery from time to time. If you do not wish to accept the change(s), you may withdraw your consent to receive electronic Communications.

By clicking the "I Agree" button you acknowledge that you have read the electronic eStatement disclosure in its entirety, you have access to the minimum software/hardware requirements described above and affirm that you have requested to receive monthly bank statements in an electronic format.

10. Acknowledgment of Consent

By clicking on the Agree button, I acknowledge and agree that I consent to receive account information electronically that is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that I and the Bank both intend the Act apply to the fullest extent possible to validate our ability to conduct business with one another by electronic means. By my consent I acknowledge and agree that I have the equipment and software necessary to access, view and retain electronic communications.