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Trust Online Agreement

Please review the following agreement regarding online banking.  At the end of this document, you may either "Accept" the agreement and be directed to an application for online services, or "Decline" the agreement and return to the online banking page.

Table of Contents

  1. Introduction
  2. Terms and Conditions
    A.   Termination
    B.   Changes
    C.   Our Liability 
    D.   Your Liability
    E.   Account Data
    F.   Notices
    G.   Disclosures
  3. Accessing Trust Reporter
    A.   Eligible Accounts
    B.   Fees
    C.   E-mail
    D.   Log on
    E.   Preventing Misuse
  4. General Terms
    A.   Changes
    B.   Unauthorized Use
    C.   Bank's Right to Cancel
    D.   Questions or Error Corrections

Introduction

This TrustReporter Agreement (Agreement) contains the terms and conditions that govern the access to your Trust information, accounts, and other online services. You may use your Internet Service Provider to access Eligible Accounts via the Internet.

By using the First-Knox National Bank TrustReporter service you agree to abide by the terms and conditions of this Agreement.

Terms and Conditions

Termination – Unless otherwise required by applicable law, First-Knox National Bank may terminate this Agreement and/or your access to any of the online services through the Internet, in whole or in part, at any time.  You, our customer, may terminate your rights to access the services at any time by contacting your Trust Administrator.  We reserve the right to require that you provide us with written notice of your desire to terminate your account.  Following any such termination, you agree that you will immediately cease to attempt to use the services.

Changes – Except as otherwise required by law, rule or regulation, First-Knox National Bank may change the terms and conditions of this Agreement from time to time and at any time. When changes are made we will update this Agreement at the Web site. Changes will be effective when first updated on the Web site unless law, rule or regulation requires advanced notice, in which case the change will be effective in accordance with the law, rule or regulation.

Our Liability – Except as specifically provided in this Agreement or where the law requires different standards, you agree that neither First-Knox National Bank nor the service providers shall be responsible for loss, property damage or bodily injury, whether caused by the equipment, software, First-Knox National Bank, Internet access providers, online service providers or an agent or subcontractor of any of the foregoing, nor shall First-Knox National Bank or the service providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, online services, Internet or access thereof.

Your Liability – All customers will be provided with a Login and password.  You are solely responsible for maintaining the confidentiality of your Login and password and we will not be responsible for any breach of security caused by the failure to so maintain the confidentiality of your Login and password.  You further agree that you will be responsible for all transactions and activities that occur as a result of your disclosure of your Login and password, whether or not such transactions and/or activities were authorized by you.  You agree not to provide your account information to third parties, and shall at all times be responsible and liable for any transactions or activities that occur on your account.  You shall immediately notify us in the event of any unauthorized use of your account of if you become aware of any other breach of security.

ACCOUNT DATA - All account data is provided as a convenience and for your information, but is not the official record.  Bank records remain the official record.  Account data provided through online services is generally updated on a daily basis, as of the end of the previous business day, and is subject to adjustment and correction.  

NOTICES - UNLESS OTHERWISE REQUIRED BY APPLICABLE LAW, IN THE EVENT THAT WE ARE REQUIRED TO PROVIDE NOTICE OR OTHER COMMUNICATION TO YOU IN WRITING, THAT NOTICE OR OTHER COMMUNICATION MAY BE SENT TO YOU BY E-MAIL TO YOUR INTERNET ADDRESS AS REFLECTED IN OUR THEN CURRENT RECORDS.

Disclosures – The circumstances under which we will disclose information about you, your accounts or your online services is set forth in our Privacy Policy.

Accessing TrustReporter

Eligible Accounts – Each open and active Park National Trust account is eligible to be accessed through TrustReporter.

Fees – At this time, there are no fees to access your eligible First-Knox National Bank accounts.  In the future, other fees may be assessed for specific TrustReporter services.  If and when any fees are assessed, a minimum of 30 days notice will be given to any affected TrustReporter customers.

E-mail – One method of communicating with First-Knox National Bank is through the Internet e-mail system. This method is very effective for request of additional information, questions, comments and other miscellaneous correspondence. HOWEVER, E-MAIL IS NOT A SECURE METHOD OF COMMUNICATION AND CONFIDENTIAL INFORMATION SHOULD NOT BE SENT OVER THE INTERNET E-MAIL.

Log on – To access your Eligible Accounts you will be required to complete an application.  Please print, sign and return the application to the mailing address listed on the application.  First-Knox National Bank will send you a letter in the mail containing your temporary Password.  Upon receiving this letter, you will need to click the "log on" button from the online banking web page to access your Eligible Accounts.   Once the Login and Password are entered correctly, you will be prompted to change your Password.

Your new Password must contain at least six, and no more than fourteen characters.  These can be any combination of letters (letters are case sensitive), and/or numbers.

Preventing Misuse – The best way to prevent misuse of your account is to protect your personal information, including your account numbers and Passwords. In addition, it is essential that we are notified as quickly as possible if you believe someone has gained access to your confidential information. First-Knox National Bank recommends you log out of your account at the end of every session.  In addition we recommend that you close your browser before leaving the terminal.

General Terms

Changes – Except as otherwise required by law, rule or regulation, First-Knox National Bank may change the terms and conditions of this Agreement as well as any charges or fees, from time to time and at any time. When changes are made we will update this Agreement at the Web site. The Web site will be updated on the effective date, unless an immediate change is necessary to maintain the security of the system or unless a law, rule or regulation requires that it be updated at an earlier time.

Unauthorized Use – Tell us AT ONCE if you believe your Login and/or Password have been lost or stolen. Each owner is responsible for transactions conducted by individuals with whom the Login and Password have been shared.

Bank's Right to Cancel - First-Knox National Bank reserves the right to cancel this service in whole or in part at its sole discretion for any reason without prior notification.  Account holders agree to indemnify and hold harmless First-Knox National Bank, its directors, officers, employees and agents from any loss, liability, claims, demands, judgments and expenses arising out of, or in anyway connected with, such cancellation.