Common use of Disclosure of Account Information and Transfers Clause in Contracts

Disclosure of Account Information and Transfers. You understand information about your accounts or the transfers you make may automatically be disclosed to others, as allowed by law. For example, tax laws require disclosure to the government of the amount of interest you earn, and some transactions, such as large currency and foreign transactions, must be reported to the government. We may also provide information about your accounts to persons or companies we believe would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, we routinely inform credit bureaus when accounts are closed because they were not handled properly. We may also seek information about you from others, such as the credit bureau, in connection with the opening or maintaining of your account or in connection with approving your access to Online Banking. You agree and hereby authorize all of these transfers of information. Periodic Statements - You will get a monthly account statement from us for your checking account. You will get a monthly account statement from us for your savings accounts, unless there are no electronic transfers in a particular month. In any case, you will get a statement at least quarterly. Change in Terms - We may change any term of this Agreement at any time. If the change would result in increased fees for any Online Banking service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 21 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the Heritage Bank website or forward it to you by email or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all the subject Online Banking Services indicates your acceptance of the change in terms. We reserve the right to waive, reduce, or reverse charges or fees in

Disclosure of Account Information and Transfers. You understand information about your accounts or the transfers you make may automatically be disclosed to others, as allowed by law. For example, tax laws require disclosure to the government of the amount of interest you earn, and some transactions, such as large currency and foreign transactions, must be reported to the government. We may also provide information about your accounts to persons or companies we believe would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, we routinely inform credit bureaus when accounts are closed because they were not handled properly. We may also seek information about you from others, such as the credit bureau, in connection with the opening or maintaining of your account or in connection with approving your access to Online Banking. You agree and hereby authorize all of these transfers of information. Periodic Statements - You will get not receive a monthly account statement separate online banking statement. Transfers to and from us your accounts using online banking will appear on the respective periodic paper statements for your Umpqua accounts. You can use online banking to enroll in Paperless Statements for your checking accountand savings accounts. This is your authorization to us to stop delivering paper statements for the accounts you designate. You will get only be able to view your Paperless Statements online in online banking. Use the Settings page of online banking to enroll. You will be presented with a monthly account statement from us for your savings accounts, unless there are no electronic transfers in a particular month. In any case, you will get a statement at least quarterlyseparate Paperless Statement Agreement that outlines details of this service. Change in Terms - We may change any term of this Agreement at any time. If the change would result in increased fees for any Online Banking online banking service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 21 30 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the Heritage Bank Umpqua online banking website or forward it to you by email e-mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject Online Banking online banking Services indicates your acceptance of the change in terms. We reserve the right to waive, reduce, reduce or reverse charges or fees inin individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.

Disclosure of Account Information and Transfers. You understand information about your accounts or the transfers you make may automatically be disclosed to others, as allowed by law. For example, tax laws require disclosure to the government of the amount of interest you earn, and some transactions, such as large currency and foreign transactions, must be reported to the government. We may also provide information about your accounts to persons or companies we believe would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, we routinely inform credit bureaus when accounts are closed because they were not handled properly. We may also seek information about you from others, such as the credit bureau, in connection with the opening or maintaining of your account or in connection with approving your access to Online BankingSYSTEM. You agree and hereby authorize all of these transfers of information. Periodic Statements - You will get a monthly continue to receive your regular account statement from us for your checking by mail, either monthly or quarterly, depending on the type of account. You will get a monthly account statement from us for your savings accounts, unless there are no electronic transfers in a particular monthyou choose to receive e-statements. In any caseOnce you accept the e-statement disclosure within your online banking, you will get a statement at least quarterlyno longer receive statements by mail, but instead you will be able to view them through your online banking. Change in Terms - We may change any term of this Agreement at any time. If the change would result in increased fees for any Online Banking SYSTEM service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 21 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the Heritage Bank BANK SYSTEM website or forward it to you by email or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject Online Banking SYSTEM Services indicates your acceptance of the change in terms. We reserve the right to waive, reduce, reduce or reverse charges or fees inin individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.

Disclosure of Account Information and Transfers. You understand information about your accounts or the transfers you make may automatically be disclosed to others, as allowed by law. For example, tax laws require disclosure to the government of the amount of interest you earn, and some transactions, such as large currency and foreign transactions, must be reported to the government. We may also provide information about your accounts to persons or companies we believe would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, we routinely inform credit bureaus when accounts are closed because they were not handled properly. We may also seek information about you from others, form others such as the a credit bureau, in connection with the opening or maintaining of your account or in connection with approving your access to Online Banking. You agree and hereby authorize all of these transfers of information. the Internet Banking Periodic Statements - Statements- You will get not receive a monthly account statement from us for your checking account. You will get a monthly account statement from us for your savings accounts, unless there are no electronic transfers separate Internet Banking Service Changes in a particular month. In any case, you will get a statement at least quarterly. Change in Terms - terms- We may change any term terms of this Agreement at any time. If the change would result in increased fees for any Online Internet Banking service, Service increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 21 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the Heritage Bank website Internet Banking Service web site or forward it to you by email e-mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account amount or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject Online Internet Banking Services Service services indicates your acceptance of the change in terms. We reserve the right to waive, reduce, reduce or reverse charges or of fees inin individual

Disclosure of Account Information and Transfers. You understand information about your accounts or the transfers you make may automatically be disclosed to others, as allowed by law. For example, tax laws require disclosure to the government of the amount of interest you earn, and some transactions, such as large currency and foreign transactions, must be reported to the government. We may also provide information about your accounts to persons or companies we believe would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have writtenapplication. In addition, we routinely inform credit bureaus when accounts are closed because they were not handled properly. We may also seek information about you from others, such as the credit bureau, in connection with the opening or maintaining of your account or in connection with approving your access to Online Bankingthe online banking service. You agree and hereby authorize all of these transfers of information. Periodic Statements - You will get not receive a monthly account statement separate online banking service statement. Transfers to and from us your accounts will appear on the respective periodic paper statements for your checking accountBrickyard Bank accounts. You will get a monthly account statement from us for your savings accounts, unless there are no electronic transfers in a particular month. In any case, you will get a statement at least quarterly. Change in Terms - We may change any term of this Agreement at any time. If the change would result in increased fees for any Online Banking online banking service, increased liability for to you, fewer types of available electronic fund transfers, or stricter limitations on the type or frequency or dollar amount of transfers, we agree to give you notice at least 21 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the Heritage Brickyard Bank website or forward it to you by email or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject Online Banking Services system services indicates your acceptance of the change in terms. We reserve the right to waive, reduce, reduce or reverse charges or fees inin individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures. Telephone us at 000-000-0000, or write us at Brickyard Bank, Attn: Bookkeeping Department, Brickyard Bank, 0000 X. Xxxxxxx Ave. Lincolnwood, IL 60712 as soon as you can, if you think your paper statement is wrong, or if you need more information about a transfer listed on your paper statement. We must hear from you no later than 60 days after we sent the FIRST paper statement upon which the problem or error appeared. When you contact us, provide the following information:

Disclosure of Account Information and Transfers. You understand that certain information about your accounts or the transfers you make may automatically be disclosed to others, as allowed by law. For example, tax laws require disclosure to the government of the amount of interest you earn, and some transactions, such as large currency and foreign transactions, must be reported to the government. We may also provide information about your accounts and the activity within them to persons or companies we believe would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, we routinely inform credit bureaus when accounts are closed because they were not handled properly. We may also seek information about you from others, such as the a credit bureau, in connection with the opening or maintaining of your account or in connection with approving your access to Online Bankingthe Services. You agree and hereby authorize all of these transfers of information. Periodic Statements - You will get not receive a monthly account statement separate digital banking statement. Transfers to and from us your accounts using the Services will appear on the respective periodic statements for your checking account. You will get a monthly account statement from us for your savings accounts, unless there are no or we may elect to provide you with electronic transfers in a particular monthstatements via e-mail or the internet. In any caseBy accepting the terms of this agreement, you will get authorize us to provide you with electronic statements and other notices, rather than sending a physical statement at least quarterlyor notice by mail. Change If you wish to receive account statements and notices on paper or in Terms - We may change any term non-electronic form instead, please refer to the section of this Agreement at any timebelow captioned “Online Services E-SIGN Act Consent and Disclosure”. If You agree that the change would result in increased fees for any Online Banking service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations time you have to examine your statement and report to us will depend on the frequency circumstances, but will not, in any circumstance, exceed a total of 30 calendar days from when the statement is first sent or dollar amount made available to you. You further agree that if you fail to report any unauthorized signatures, unauthorized payments, alterations or forgeries in your account within 30 calendar days of transferswhen we first send or make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This absolute preclusion applies, without regard to whether we agree used ordinary care, (i) to give each item that you notice at least 21 days before the effective date of any such changefail to report within 30 calendar days, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice and (ii) regardless of the change legal theory you assert. By this provision, you and we intend to shorten the absolute statutory preclusion period for unauthorized signatures and alterations specified in terms on the Heritage Bank website or forward it to you by email or by postal mail. If advance notice § 4-406(f) of the change is not requiredUniform Commercial Code as adopted in the state in which you have your account with us, and disclosure does not jeopardize to establish a contractual condition precedent for reporting claims involving unauthorized signatures, alterations or forgeries. The limitation in this paragraph is in addition to that contained in the security first paragraph of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all the subject Online Banking Services indicates your acceptance of the change in terms. We reserve the right to waive, reduce, or reverse charges or fees inthis section.

Disclosure of Account Information and Transfers. You understand information about your accounts or the transfers you make may automatically be disclosed to others, as allowed by law. For example, tax laws require disclosure to the government of the amount of interest you earn, and some transactions, such as large currency and foreign transactions, must be reported to the government. We may also provide information about your accounts to persons or companies we believe would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have be given in a credit application or a merchant calls to verify a check you have writtenwritten or other service agencies such as check reporting services. In addition, we routinely inform credit bureaus when accounts are closed because they were not handled properlyabout your credit experience with us. We may also seek information about you from others, such as the credit bureau, in connection with the opening or maintaining of your account or in connection with approving your access to Online Banking. You agree and hereby authorize all of these transfers of information. Periodic Statements - You will get a monthly account statement from us for your checking account. You will get a monthly account statement from us for your savings accounts, unless there are no electronic transfers in a particular month. In any case, you will get a statement at least quarterly. Illegal Transactions Change in Terms - We may change any term of this Agreement at any time. We may do so by notifying you by posting a notice at this electronic site or by mail or delivery of a written notice of such amendments or changes. If the change would result in increased fees for any Online Banking service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 21 30 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the Heritage First Keystone Community Bank website or forward it to you by email e-mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject Online Banking Services First Keystone Community Bank services indicates your acceptance of the change in terms. We reserve the right to waive, reduce, reduce or reverse charges or fees inin individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures. In Case of Errors or Questions about Your Electronic Transfers, including Xxxx Payments - Contact us as soon as you can if you think your statement is wrong, or if you need more information about a transfer listed on your statement. We must hear from you no later than 60 days after we sent the first statement upon which the problem or error occurred. When you contact us:

Disclosure of Account Information and Transfers. You understand information about your accounts or the transfers you make may automatically be disclosed to others, as allowed by law. For example, tax laws require disclosure to the government of the amount of interest you earn, and some transactions, such as large currency and foreign transactions, must be reported to the government. We may also provide information about your accounts to persons or companies we believe would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, we routinely may inform credit bureaus when accounts are closed because they were not handled properly. We may also seek information about you from others, such as the credit bureau, in connection with the opening or maintaining of your account or in connection with approving your access to Online Internet Banking. You agree and hereby authorize all of these transfers of information. Periodic Statements PERIODIC STATEMENTS - You will get not receive a monthly account statement separate Internet Banking statement. Transfers to and from us your accounts using Internet Banking will appear on the respective periodic statements for your checking accountLCSB accounts. You will get a monthly account statement from us for your savings accounts, unless there are no electronic transfers in a particular month. In any case, you will get a statement at least quarterly. Change in Terms CHANGE IN TERMS - We may change any term of this Agreement at any time. If the change would result in increased fees for any Online Internet Banking service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 21 30 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer systemInternet Banking. We will post any required notice of the change in terms on the Heritage Lea County State Bank website or forward it to you by email Web site or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer systemInternet Banking, we will notify you of the change in terms within 30 21 days after the change becomes effective. Your continued use of any or all of the subject Online Internet Banking Services services indicates your acceptance of the change in terms. We reserve the right to waive, reduce, reduce or reverse charges or fees inin individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS, INCLUDING XXXX PAYMENTS - Contact us as soon as you can, if you think your paper statement is wrong, or if you need more information about a transfer listed on your paper statement. We must hear from you no later than 60 days after we sent the FIRST paper statement upon which the problem or error appeared. When you contact us:

Disclosure of Account Information and Transfers. You understand information about your accounts or the transfers you make may automatically be disclosed to others, as allowed by law. For example, tax laws require disclosure to the government of the amount of interest you earn, and some transactions, such as large currency and foreign transactions, must be reported to the government. We may also provide information about your accounts to persons or companies we believe would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, we routinely inform credit bureaus when accounts are closed because they were not handled properly. We may also seek information about you from others, such as the credit bureau, in connection with the opening or maintaining of your account or in connection with approving your access to Online Banking. You agree and hereby authorize all of these transfers of information. Periodic Statements - — You will get not receive a monthly account statement separate Online Banking statement. Transfers to and from us your accounts using Online Banking will appear on the respective periodic paper statements for your checking account. You will get a monthly account statement from us for your savings United Bank accounts, unless there are no electronic transfers in a particular month. In any case, you will get a statement at least quarterly. Change in Terms - — We may change any term of this Agreement at any time. If the change would result in increased fees for any Online Banking service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 21 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the Heritage United Bank website web site or forward it to you by email e-mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security In Case of the account Errors or our electronic fund Questions about Your Electronic Transfers, including Bill Payments — Contact us as soon as you can, if you think your paper statement is wrong, or if you need more information about a transfer system, we will notify listed on your paper statement. We must hear from you of the change in terms within 30 no later than 60 days after we sent the change becomes effectiveFIRST paper statement upon which the problem or error appeared. Your continued use of any or all the subject Online Banking Services indicates your acceptance of the change in terms. We reserve the right to waive, reduce, or reverse charges or fees inWhen you contact us:

Disclosure of Account Information and Transfers. You understand information about your accounts or the transfers you make may automatically be disclosed to others, as allowed by law. For example, tax laws require disclosure to the government of the amount of interest you earn, and some transactions, such as large currency and foreign transactions, must be reported to the government. We may also provide information about your accounts to persons or companies we believe would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, we routinely inform credit bureaus when accounts are closed because they were not handled properly. We may also seek information about you from others, such as the credit bureau, in connection with the opening or maintaining of your account or in connection with approving your access to Online Banking"xxxxxxxxxxxxx.xxx" online banking service. You agree and hereby authorize all of these transfers of information. Periodic Statements PERIODIC STATEMENTS - You will get not receive a monthly account statement separate "xxxxxxxxxxxxx.xxx" online banking service statement. Transfers to and from us your accounts using "xxxxxxxxxxxxx.xxx" online banking service will appear on the respective periodic statements for your checking accountIslanders Bank accounts. You will get a monthly account statement from us for your savings accounts, unless there are no electronic transfers in a particular month. In any case, you will get a statement at least quarterly. Change in Terms CHANGE IN TERMS - We may change any term of this Agreement at any time. If the change would result in increased fees for any Online Banking "xxxxxxxxxxxxx.xxx" online banking service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 21 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the Heritage Bank "xxxxxxxxxxxxx.xxx" website or forward it to you by email e-mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject Online Banking Services "xxxxxxxxxxxxx.xxx" online banking service indicates your acceptance of the change in terms. We reserve the right to waive, reduce, reduce or reverse charges or fees inin individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures. 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 "xxxxxxxxxxxxx.xxx" online banking service provided to you under this Agreement. We do not and cannot warrant that "xxxxxxxxxxxxx.xxx" online banking service will operate without errors, or that any or all "xxxxxxxxxxxxx.xxx" online banking service will be available and operational 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 or access to "xxxxxxxxxxxxx.xxx" online banking service, 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. Further, in no event shall the liability of Islanders Bank or its affiliates exceed the amounts paid by you for the services provided to you through "xxxxxxxxxxxxx.xxx" online banking service. YOUR RIGHT TO TERMINATE - You may cancel your "xxXxxxxxxxxxx.xxx" online banking service at any time by providing us with written notice by postal mail or fax. Your access to "xxxxxxxxxxxxx.xxx" online banking service will be suspended within 3 business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation.