Banking and Service Agreement and
(please read before clicking on
agreement link below)
Thank you for your interest in the Citizens Bank &
Trust Co. Internet Banking service (the “Service”). This Agreement and
Disclosure Statement (the “Agreement”) provides information about the
Citizens Bank online banking service and contains the disclosures required
by the Electronic Funds Transfer Act. Please review the following
disclosure information. Once you have completely reviewed the information,
click “I Understand and Accept” to indicate your agreement and to begin
the process of online banking.
For purposes of this Agreement, each
reference in the Agreement to Citizens Bank, “we,” “us,” or “our” refers
to Citizens Bank, and each reference to “you,” and “your” refers to each
depositor, borrower, authorized signer, or authorized user for a deposit
account, who is now or hereafter enrolled in any one or more of Citizens
Bank online banking services with respect to a deposit account.
A. Acceptance of Citizens Bank Terms and Conditions
I may become
eligible for the Service by submitting the Citizens Bank Enrollment
Application (the “Enrollment Application”). By submitting the Enrollment
Application and clicking “I Understand and Accept” as described above, or
by initially accessing the Service, you are agreeing to the terms and
conditions of this Agreement.
You agree to use the Service solely
for the services described in the Agreement and designated by you in the
Enrollment Application, and solely in connection with each deposit account
(collectively, the “Accounts”), except as otherwise expressly provided in
this Agreement or as otherwise expressly permitted by us from time to
time. Under this Agreement, there may be multiple accounts. You may add
additional Accounts for which you, or all of you if more than one, are
depositor, borrower, authorized signer, or authorized user by notifying
Citizens Bank in writing or by visiting any Citizens Bank office. If you
close or delete the only checking account designated for Citizens Bank
online banking, you will no longer be able to use the Service.
Throughout the Citizens Bank website, Citizens Bank will provide you with
guidance and online instructions and messages. You agree to read and abide
by such instructions and messages. Each time you use the Service, you
agree to the terms of this Agreement and any additional terms and
conditions that may appear on your computer when you sign on to the
Citizens Bank website or during your use of the Service. This Agreement
will be effective as of the date we issue you a Logon ID and Password (the
“Logon ID” and “Password”). Please read this Agreement carefully and print
it by selecting the Printer icon on the Toolbar or selecting File, Print.
The following definitions apply in this
"Online Banking" is Citizens Bank Internet-based service
providing access to your Online Account(s).
"Logon ID" is a series
of letters selected by the bank as a code used in conjunction with the
password to establish your connection to the Online Banking service.
"Password" is the series of 6 to 15 numbers and letters that you
select as a code used in conjunction with the Logon ID to establish your
connection to the Online Banking service. Your password can be alpha,
numerical, or a combination of alpha and numerical.
Account" means any Citizens Bank account from which you will be obtaining
information or conducting transactions using the Online Banking service.
"Service" shall mean, individually or collectively, Citizens Bank
Online Banking service and any other service offered under this agreement.
"Time of day" references are to Mountain or Mountain Daylight Time, as
"The Borrower," "we," "us," "the bank" or Citizens Bank
refer to Citizens Bank & Trust Co. which provides the Service offered
under this Agreement. Citizens Bank provides deposit account and loan
services (including mortgages and home equity loans).
Days" are Monday through Friday, except weekdays that Citizens Bank is not
open for business.
"Firewall" is a router or an access server or
several routers or several access servers designated as a buffer between
any connected public network and a private network.
Citizens Bank Internet Banking transmits data using SSL
(Secure Socket Layer) technology that supports 128-bit key encryption. It
is important to verify that a secure connection between your bank and the
Internet Banking server has been established before transmitting any
confidential account information over the Internet. An indicator in the
lower right corner of the screen can verify this. When using Netscape, the
lock symbol appears "solid," when transmitted data is being encrypted.
When this lock symbol appears "broken," a secure session has not been
established. Similarly, Microsoft Internet Explorer has a lock symbol that
appears when data is being encrypted. When this symbol does not appear, a
session is not secure.
D. HOST SECURITY.
web server does not connect directly to the Internet. It is buffered from
the Internet through the use of a firewall. All access from outside the
bank must go through this firewall, which screens the requests and allows
only valid https traffic to reach the server. Citizens Bank Internet
Banking makes use of an ICSA-certified firewall.
E. Hours Of
Business days for Citizens Bank are Monday through
Friday, excluding holidays. You may access the Service 24 hours a day,
seven days a week, except that Citizens Bank cannot guarantee that the
Service will always be available during these times. Citizens Bank cannot
guarantee that we will be able to provide notice of such interruptions and
changes, although we will attempt to provide such notice. In addition,
access to the Service is made available pursuant to a license agreement by
and between Citizens Bank and Information Technology Inc. Any interruption
of service or access caused by the Service Provider will also prevent your
use of the Service or performance of the Service.
Access to Site
Citizens Bank believes the safety and security of
its customers’ accounts and account information is important. To ensure
protection of your Accounts, you must access the Service via a personal
computer with your Logon ID and Password. We will assign you a Logon ID
and Password after we have accepted your Enrollment Application. When you
first access the Service, you will be required to select a new Password.
Your Logon ID must be at least 6 characters and your Password must be 6 to
15 characters consisting of alpha numerical or any combination of alpha
numerical. You may change your Password from time to time, as provided in
the software. We recommend that you not use your social security number,
birthday, name, or other code that may be easy for others to determine as
your Password. No Citizens Bank employee will ever ask you for your
Password, nor should you provide it to anyone. YOU AGREE TO KEEP YOUR
PASSWORD CONFIDENTIAL. USE OF THE PASSWORD BY YOU OR BY ANY OTHER PERSON
WITH YOUR AUTHORIZATION WILL BE CONSIDERED THE SAME AS YOUR WRITTEN
SIGNATURE AUTHORIZING US TO COMPLETE ANY TRANSACTION OR REQUEST
COMMUNICATED THROUGH THE SERVICE. You agree that any Citizens Bank online
banking request initiated by use of the Password will be subject to and
governed by this Agreement. Thus, we urge you to maintain the safety and
security of your Logon ID and Password.
If you authorize another
person to use your Logon ID and Password, that person can use the Service
to perform any of the functions that you may perform. For example, that
person may view any information or initiate any transaction on any of your
Accounts to which that person does not otherwise have access. We encourage
you not to share your Logon ID and Password with other parties. You agree
to assume responsibility for all transactions initiated through the
Service with your Logon ID and Password, up to the limits allowed by
applicable law. In addition, if you allow another person or business to
store your Logon ID and Password on their computer, the stored information
may be at risk of unauthorized access from third parties. Citizens Bank
has not authorized any outside company to request or use your Logon ID and
Password for any purpose, on the Internet or otherwise.
are finished with your online banking activity, you should properly exit
the Service by clicking on Log Off. You also agree to never leave your
computer unattended while accessing the Service. If you should, a third
party may be able to access your Accounts from your terminal without ever
needing to use your Logon ID and Password.
G. If Your Password
Has Been Lost or Stolen.
If a third party should gain access to
your Logon ID and Password, you alone are responsible for changing the
Password to deny the third party’s access to your banking information. We
also require that you keep a record of what information you shared, and as
always, that you carefully monitor and review the activity in your
If you believe your Password has been lost or stolen,
immediately call the main branch of Citizens Bank at
1-406-932-5311, or the Continental Branch of Citizens Bank at
1-406-632-4373 between the hours of 8:00 AM and 5:30 PM,
Monday through Friday.
Contacting Citizens Bank via telephone is the best way of minimizing your
losses. You may also restore the security of your Service by changing your
Password. If you believe your Password has been lost or stolen and you
tell us within 2 business days after you learn of the loss or theft, you
can lose no more than $50 if someone uses your Password to conduct
unauthorized electronic funds transfers. If you do NOT tell us within 2
business days after you learn of the loss or theft of your Password, and
we can prove we could have stopped someone from using your Password to
conduct unauthorized electronic funds transfers had you told us prior to
the end of the 2-day period, you could lose as much as $500. Also, if your
statement shows transfers that you did not make, tell us at once. If you
do not tell us within 60 days after the statement was mailed to you, you
may not get back any money lost after the 60 day period if we could have
stopped someone from taking the money had you told us prior to the end of
the 60 day period.
H. Online Banking Services
indicated by the Enrollment Application, you may use a variety of services
offered by Citizens Bank via the Service. You may sign up for or cancel
any service by contacting Citizens Bank via email or telephone. As used in
this Agreement, the term “electronic fund transfer” has the meaning
provided for that term in Regulation E and includes, without limitation, a
bank transfer or a loan payment (other than a loan payment made by check
or other paper item), as these items are defined below.
1. Online Services
You may use
Citizens Bank Internet Banking to perform any of the following services
designated by you in the Application or subsequently added by you as
1. To transfer funds between any Deposit Accounts,
such as checking, savings, and money market;
2. To transfer funds from
any Deposit Account to a loan with Citizens Bank;
3. To receive and
download balance and transaction information on Citizens Bank accounts;
4. To change your password;
5. To receive e-mail from and transmit to
the Bank, all as described in this Agreement and the Software.
sign up to receive electronic bank statements
7. To sign up for online
Bill pay services
may sign up for or cancel any service by contacting Citizens Bank. As used
in this Agreement, the term "electronic fund transfer" has the meaning
provided for that term in Regulation E and includes, without limitation, a
bank transfer or a loan payment (other than a loan payment made by check
or other paper item), as these items are defined in Account Transfers.
2. Account Transfers
i. Accounts. You may use the
Service to initiate electronic funds transfers from a checking, savings or
money market deposit account to any other deposit account at Citizens
Bank. These types of transactions are referred to in this Agreement as
“bank transfers.” ii. Authorization. You expressly authorize Citizens Bank
to debit the appropriate Account in the amount of any bank transfer
initiated through the Service by you or by any other person whom you
authorize to use your Logon ID and Password. You agree that we may treat
any such bank transfer from an Account the same as a duly executed written
withdrawal, transfer, or check and that we may treat any such bank
transfer to an Account the same as a deposit, all in accordance with the
terms of this Agreement and your deposit agreement(s) with us. iii.
Limitations. Bank transfers between Accounts may be limited by federal law
or by the terms of your deposit agreement with us. Bank transfers from
Accounts that are savings or money market deposit accounts are limited as
required by federal regulation. For statement savings accounts, you may
not make more than 6 transfers per statement period by preauthorized or
automatic transfer or by telephone or on-line banking.
For money market
accounts, you may not make more than 6 transfers per statement period by
preauthorized or automatic transfer or by telephone or online banking,
check, draft or debit card. You agree that we may, without notice or other
obligation to you, refuse to make any bank transfer for security reasons
or as otherwise expressly provided in this Agreement or your deposit
agreement with us. iv. Posting and Availability of Funds. If you authorize
a bank transfer of available funds on or before 7:00 PM Mountain Standard
Time on a business day, the bank transfer will be posted the same business
day. If you authorize a bank transfer after 7:00 PM Mountain Standard Time
on a business day, the bank transfer will be posted the next business day.
Transferred funds will be available for withdrawal on the business day the
bank transfer is posted. Please note that intervening holidays may alter
the day of posting. Except as otherwise expressly provided in this
Section, transferred funds will be available for transfer and withdrawal
as provided in our Schedule of Funds Availability listed below and
described in this section.
If a bank transfer is initiated before 7
PM Mountain Time
Funds will be
Funds will be
Access to Account Information
You may use the Service to
receive, download, and store or print information regarding an Account
that is routinely set forth in the statement for the Account, debits and
credits made to the Account, amounts and item numbers for items drawn on
the Account (if applicable), and the daily Account balance (including
interest credited to an Account and finance charges accrued on a Loan).
All account information provided via the Service will be current as of the
date and time that you Login. Because the information is made available to
you as “raw data” furnished through the Service Provider and is subject to
change, we cannot assure you of the accuracy or completeness of the
Account information and expressly disclaim the same. Citizens Bank will
continue to send the usual periodic statement of account to you. Please
note that adjustments may have been made to your Account in connection
with the preparation of your statement.
5. Electronic Mail
Citizens Bank has provided you with access to the Citizens
Bank e-mail service. You may use the Service to send e-mails to us and to
receive e-mails from us. The Citizens Bank customer support e-mail address
firstname.lastname@example.org The Citizens Bank e-mail service may not be used to
make bank transfers between Accounts or to make loan payments from an
Account. E-mail transmitted by you to us often will not be delivered to us
immediately. If you need to contact us immediately to stop payment, to
report the unauthorized use of your Logon ID and Password, to report
unauthorized access to an Account, or if you believe your Password has
been lost or stolen, immediately call the main branch of Citizens Bank at
1-406-932-5311, or the Continental Branch of Citizens Bank at
1-406-632-4373 between the hours of 8:00 AM and 5:30 PM, Monday through
. We will not be responsible for acting on or
responding to any e-mail request until we actually receive your e-mail
message and have a reasonable opportunity to act. We will attempt to
notify you of any technical difficulties or other occurrence that may
affect your use of the e-mail service by posting such notice on the
Citizens Bank website.
6. Additional Service
Bank may introduce new services or change the scope of our services from
time to time. Citizens Bank will notify you of the existence of the new
services. By using these services when they become available, you agree to
be bound by the terms, rules and other instructions that will be made
available to you concerning those new services.
Access to the Service is currently
furnished at no charge to the customer. Currently, Citizens Bank does not
charge a set-up fee for the Service. Citizens Bank does not charge for
viewing your Accounts, or completing transfers to and from your individual
Accounts. You will be solely responsible for all tariff, duties, or taxes
imposed by government or governmental agency in connection with any
transfer made pursuant to this Agreement and for all telephone charges,
Internet access service charges, tools tariffs, and other costs for online
sessions initiated by you. There may be other costs and charges associated
with your accounts. Please refer to your Deposit Account Disclosure for
J. Stop Payment Rights
To stop payment on a
payment to a third party company you must contact us directly within 24
hours of entering the payment. There will be a $28.00 stop payment charge
per payment. Call Citizens Bank support at the main branch of Citizens
Bank at 1-406-932-5311, or the Continental Branch of Citizens Bank at
1-406-632-4373 between the hours of 8:00 AM and 5:30 PM, Monday through
Friday to cancel your
K. Errors and Adjustments
In case of errors or
questions regarding transactions through the Service, call the main branch
of Citizens Bank at 1-406-932-5311, or the Continental Branch of Citizens
Bank at 1-406-632-4373 between the hours of 8:00 AM and 5:30 PM, Monday
through Friday, or write us at
Citizens Bank, as soon as you can if you think your statement is wrong or
if you need more information about a transfer listed on the account
statement. We must hear from you no later than 60 days after we sent the
first account statement on which the problem or error appeared. Please
provide us with (i) your name and account number (if any), (ii) a
description of the error or the transfer you are unsure about and an
explanation of why you believe it is an error or why you need more
information, and (iii) the dollar amount of the suspected error.
you tell us orally, we may require that you send us your complaint or
question in writing within 10 business days. We will determine whether an
error occurred within 10 business days after we hear from you and will
correct any error promptly. If we need more time, however, we may take up
to 45 days to investigate your complaint or question. If we conduct this
investigation, we will credit your account within 10 business days for the
amount you think is in error, so that you will have the use of the money
during the time it takes us to complete our investigation. If we ask you
to put your complaint or question in writing and we do not receive it
within 10 business days, we may not credit your account.
tell you the results within 3 business days after completing our
investigation. If we decide that there was no error, we will send you a
written explanation. You may ask for copies of the documents that we used
in our investigation. If a notice of error involves an electronic fund
transfer that occurred within 30 days after the first deposit to the
Account was made, the applicable time periods for the action shall be 20
business days in place of 10 business days.
L. Settlement of
To the fullest extent permitted by applicable law, you
authorize us to obtain payment of your obligations to us under this
Agreement from time to time by (a) initiating debit or credit transfers to
any of your Accounts or (b) deducting the payment from the amount of any
bank transfer or loan payment. Such obligations include, without
limitation; fees owed to us and settlement for bank transfers or loan
payments initiated through the Service. If an Account is closed (whether
by you, by us, or otherwise), you agree that all such obligations will be
immediately due and payable to us, and you authorize us to withhold the
amount of any such obligations from any Account. Debiting an account or
deducting payment from the amount of any bank transfer or loan payment is
not Citizens Bank exclusive remedy under this or any other Section of this
Agreement, and Citizens Bank will not be deemed to have made an election
of remedies by making any such debit or deduction on any one or more
M. Duty of care and Limitation of Liability for
Citizens Bank is responsible only for exercising ordinary
care in effecting transfers upon your authorization. In no event shall we
be liable for damages in the following instances:
1. If, through no fault of ours, you do not have
enough money in your Account (or any linked account) to make the
electronic fund transfer.
2. If the electronic fund transfer would go over the
credit limit on your overdraft line.
3. If you have not completely and properly complied
with the terms of this Agreement or instructions provided by the software
regarding how to make an electronic fund transfer.
4. If any data or instruction transmitted via the
Service is inaccurate or incomplete.
5. If you do not initiate an electronic fund
transfer according to the time limits set forth in this Agreement or if
the payment amount requested is less than the full amount due.
6. If the electronic fund transfer has been
transferred from the Account to a third party, including, without
limitation, any third party through which payment is made and any payee or
its financial institution.
7. If the hardware, the software, the Service
Provider, or any part of the Service, including the loan payment service,
was not working properly and you knew about the breakdown when you started
your electronic fund transfer.
8. If circumstances beyond our control such as an
act of God, failure, delay, or error on the part of any Service Provider
(including, without limitation, the online Service Provider, the United
States Postal Service or any other delivery service), power outage,
difficulty with telephone or cable lines or satellite communications, or
any technical difficulty that might prevent or delay the electronic fund
9. If your funds are frozen or are subject to legal
10. If the funds in the Account are unavailable
(funds are only conditionally credited until they become available for
11. If your Password has been reported lost or
stolen or if we have any other reason to believe that an electronic fund
transfer may be erroneous or unauthorized, or if you default under this
Agreement, the Account agreement, a credit agreement or any other
agreement with us, or if we or you terminate this Agreement.
12. If you, any joint holder, or any authorized
cosigner on an Account has requested that we stop payment of the
electronic fund transfer.
13. If you have exceeded the limitations on the
number of withdrawals or transfers allowed during the statement period of
the type of Account you have with us (e.g., certain types of savings
accounts, including money market deposit accounts).
14. If the Account has been closed.
15. If we do not receive the necessary transfer
information from you or any third party, or if such information is
incomplete or erroneous when received by us.
Our liability for
electronic fund transfers made to or from Accounts is also governed by our
Electronic Fund Transfers (“EFT”) Disclosure. If any provision herein is
inconsistent with any provision of our EFT Disclosure or any provision of
applicable law that cannot be varied or waived by agreement, the
provisions of our EFT disclosure or applicable law shall control. To the
fullest extent permitted by applicable law, you agree that we will have no
liability whatsoever for any loss, damage, or claim arising out of delay
or failure in the performance of any Citizens Bank online banking service
in accordance with the terms of this Agreement, including but not limited
to those described in this Agreement, except with respect to any
provisions of the law applying to electronic funds transfer that cannot be
varied or waived by agreement. In no event will Citizens Bank be liable
for any consequential, special, or punitive damages or for any indirect
loss that you may incur or suffer in connection with the Service (even if
Citizens Bank has been informed of the possibility of such damages),
including, without limitation, attorneys fees. The Service Provider is an
independent contractor and not a Citizens Bank agent. Citizens Bank sole
duty shall be to exercise reasonable care in the initial selection of the
Service Provider. YOU ACKNOWLEDGE THAT NO EXPRESS OR IMPLIED WARRANTY,
INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY OR FITNESS
FOR A PARTICULAR PURPOSE IS MADE BY Citizens Bank WITH RESPECT TO ANY
Citizens Bank ONLINE BANKING SERVICE OR THE SOFTWARE, AND Citizens Bank
HEREBY DISCLAIMS ALL SUCH WARRANTIES. The only warranties are those
provided by the licensor of the software and set forth on the software
package. To the fullest extent permitted by applicable law, and without
limiting the generality of the foregoing, Citizens Bank shall not be
liable at any time to you or any other person for any loss, charge, fee,
penalty, expense or other damage resulting from any failure or delay of
the performance of Citizens Bank's responsibilities under this Agreement
which is caused or occasioned by any act or thing beyond Citizens Bank
reasonable control, including, without limitation, legal restraint,
interruption of transmission facilities, the failure of mechanical or
electronic equipment communications lines, telephone or other interconnect
problems, operator errors, log-in sequences, severe weather, earthquakes,
floods or other such events, or refusal or delay by the Service Provider
or another bank or financial institution to execute any bank transfer or
loan payment. In addition, Citizens Bank shall be excused from any failure
or delay in executing a bank transfer or loan payment, if such execution
would result in the violation of any applicable state or federal law,
rule, regulation or guideline. To the fullest extent permitted by
applicable law, you agree that Citizens Bank shall not have any liability
whatsoever for any loss caused by the act, error, or omission of you or
any other person, including, without limitation, the Service Provider, any
internet access service provider, any Federal Reserve Bank or transmission
or communications facility or any intermediary or receiving financial
institution, and no such person shall be deemed Citizens Bank agent.
There may be other exceptions stated in this Agreement and in other
agreements with you. In no event shall we be liable for damages in excess
of your actual loss due to our failure to complete a transfer or bill
payment, and we will not be liable for any indirect, incidental, exemplary
or consequential damages.
N. Rejection of Payment Orders; Overdrafts.
You acknowledge that Citizens Bank or the Service Provider may from time
to time, in its sole discretion, reject any bank transfer or loan payment
request (any “Payment Order”) or return any bank transfer or loan payment.
If a Payment Order is rejected or a bank transfer or loan payment is
returned, either Citizens Bank or the Service Provider will notify you and
you will have the sole obligation to retry the payment order in accordance
with the terms of this Agreement and the software. Citizens Bank or the
Service Provider may from time to time, in its sole discretion and without
any obligation to do so, execute any payment order or make any bank
transfer or loan payment even though an overdraft to the account results.
To the fullest extent permitted by applicable law, you agree that neither
Citizens Bank nor the Service Provider will have any liability whatsoever
for refusing to accept any Payment Order. Any overdraft existing at the
close of a business day is immediately due and payable without notice or
O. Other Agreements; Server Ability; Governing Law
The terms and conditions of this Agreement are cumulative with and in
addition to any terms of the signature cards or account agreements for
your Account(s), the applicable account disclosures, [the Service
Schedule, the Schedule of Funds Availability, Citizens Bank Electronic
Transfer Agreement and Disclosure Statement, the agreements governing the
Credit Accounts, and the Application, all as may be amended from time to
time.] In the event of any conflict in such other related agreements and
disclosure regarding Citizens Bank obligations to you, the terms of this
Agreement will control. If any provision of this Agreement should be held
to be invalid, illegal or unenforceable, the parties agree that the
remaining provisions of this Agreement should be constructed as if such
invalid, illegal or unenforceable provision had never been contained
herein. No consumer protection provision of the Federal Electronic Fund
Transfer Act of Federal Reserve Board Regulation E is intended to be
waived by you under this Agreement unless the waiver is permitted by law.
The parties agree to be bound by the operating rules and guidelines of the
National Automated Clearing House Association and the applicable local
automated clearing house association as in affect from time to time with
respect to all automated clearing house transfers made hereunder. This
Agreement and the Service will be governed by the substantive laws of the
state of Montana, without regard to its rules regarding conflict of laws,
and applicable federal law, without regard to any different state laws
that may govern your Accounts. You agree that if there is any
inconsistency between the terms of this Agreement and any applicable law,
regulation, or rule, the terms of this Agreement will prevail to the
extent any such law, regulation, or rule may be modified by agreement.
We may amend this Agreement from time to time.
We will effect each amendment by mailing or otherwise delivering such
amendment, revised agreement and notice thereof to you in accordance with
applicable federal and state laws. If no federal or state law specifically
governs the amendment, the amendment shall be effected by mailing or
otherwise delivering it to you or posting it in our full-service branch
offices at least 10 calendar days prior to the effective date of the
amendment. Notwithstanding the foregoing and to the extent permitted by
applicable law, we may change any term of this Agreement without prior
notice or obligation to you: (a) if the software or Service Provider
changes any term without providing us sufficient notice to enable us to
properly notify you; (b) if we change our Service Provider, (c) for
security reasons; (d) to comply with applicable law; or (e) as otherwise
expressly provided in this Agreement. Your continued use of the Service
after the effective date of such revisions will constitute your acceptance
of the revisions and the revised Agreement.
You agree that we may cancel or restrict your use of the Service at any
time without notice to you if: (a) your account is past due; (b) you are
not complying with the terms of any agreements between you and Citizens
Bank; (c) any of your accounts are not in good standing; or (d) we have
reason to believe that the Service has been subject to unauthorized or
improper use. We will notify you as is reasonable under the circumstances
should we terminate or cancel your access to the Service for any other
reason. You may cancel the Service by written request to Citizens Bank at
any time. You should include your name, address, whether you are
discontinuing online banking, and the effective date to stop the Service
on your written request for termination.