Common use of Electronic Disclosure and Consent Clause in Contracts

Electronic Disclosure and Consent. We recommend that you retain a paper or electronic copy of this Agreement and any other disclosures pertaining to the account you are opening online. This notice is to provide you with your rights under the Electronic Signatures and National Commerce Act (ESIGN). To the extent allowed by law, you agree that any communication from us to you relating to this application, including but not limited to, disclosures, notices, statements, agreements, confirmations, or other information required to be delivered in writing under applicable law, may be delivered to you by electronic delivery, and that such electronic delivery will be in lieu of paper communication. You have the right to request paper copies of the electronic disclosures and agreements you receive. You may request paper copies by telephoning us at 000-000-0000, or writing us at Bangor Federal Credit Union, P.O. Box 1161, Bangor, ME 04402-1161. You must inform the credit union whenever your contact information including your mailing address, telephone number or email address changes. You may update this information in person at one of our locations. If you do not wish to have these disclosures provided to you electronically when you apply for a loan online, you may decline by canceling out of the application. If you do not consent to the electronic delivery of disclosures and agreements, you will not be able to apply for a loan online. To apply for a loan with us, please stop by one of our lobby locations. There will be no fees or consequences if you choose to decline to receive these disclosures and agreements electronically. In order to access, view and retain electronic communications that we make available to you, you must have: • An Internet browser that supports 128 bit encryption. • An active email account • Adobe Acrobat Reader (for reading disclosures provided to you electronically) • Pop-Up blockers disabled for our site • An operating system and internet connection capable of receiving, accessing, displaying, and either printing or storing communications received from us in electronic form via an email or access to our website using a qualifying internet browser.

Electronic Disclosure and Consent. We recommend that you retain a paper or electronic copy of this Agreement and any other disclosures pertaining to the account you are opening online. This notice is to provide you with your rights under the Electronic Signatures and National Commerce Act (ESIGN). To the extent allowed by law, you agree that any communication from us to you relating to the online opening of this applicationaccount, including but not limited to, disclosures, notices, statements, agreements, confirmations, or other information required to be delivered in writing under applicable law, may be delivered to you by electronic delivery, and that such electronic delivery will be in lieu of paper communication. You have the right to request paper copies of the electronic disclosures and agreements you receivereceive when you open your online account at no cost to you. You may request paper copies by telephoning us at 000-000-0000, or writing us at Bangor Federal Credit Union, P.O. Box 1161, Bangor, ME 04402-1161. You must inform the credit union whenever your contact information including your mailing address, telephone number or email address changes. You may update this information in person at one of our locations. If you do not wish to have these disclosures provided to you electronically when you apply for a loan open your account online, you may decline by canceling out of not checking the application“I have read and understand eSign Agreement”. If you do not consent to the electronic delivery of disclosures and agreements, you will not be able to apply for a loan open your account online. To apply for a loan open an account with us, please stop by one of our lobby locations. There will be no fees or consequences if you choose to decline to receive these disclosures and agreements electronically. In order to access, view and retain electronic communications that we make available to you, you must have: • An Internet browser that supports 128 bit encryption. • An active email account • Adobe Acrobat Reader (for reading disclosures provided to you electronically) • Pop-Up blockers disabled for our site • An operating system and internet connection capable of receiving, accessing, displaying, and either printing or storing communications received from us in electronic form via an email or access to our website using a qualifying internet browser.

Electronic Disclosure and Consent. We recommend that you retain a paper or electronic copy of this Agreement and any other disclosures pertaining to the account you are opening online. This notice is to provide you with your rights under the Electronic Signatures and National Commerce Act (ESIGN). To the extent allowed by law, you agree that any communication from us to you relating to this applicationthe online opening of your account, including but not limited to, disclosures, notices, statements, agreements, confirmations, or other information required to be delivered in writing under applicable law, may be delivered to you by electronic delivery, and that such electronic delivery will shall be in lieu of paper written communication. You have the right to request paper copies of the electronic disclosures and agreements you receivereceive when you open your online account. You may request paper copies by telephoning by: Writing us at 000-000-0000at: Nutmeg State Financial Credit Union 000 Xxxxxxxx Xxxxxx PO Box 66 Rocky Hill, or writing CT 06067‐0066 Telephoning us at Bangor Federal Credit Unionat: 860‐513‐5000 Or, P.O. Box 1161, Bangor, ME 04402-1161. emailing us at: xxxxxxxxxxxxx@xxxxxxxxxxxxxx.xxx You must inform the credit union whenever your contact information including information, such as your mailing address, telephone number number, or email address e‐ mail address, changes. You may update this information in person at online through you e‐Banking profile, or by stopping by one of our locationslocal offices. If you do not wish to have these disclosures provided to you electronically when you apply for a loan onlineopen your online account, you may decline by canceling out not checking “I have read and agree to the terms of the applicationESign Agreement”. If you do not consent to the electronic delivery of disclosures and agreements, you will not be able to apply for a loan open your account online. To apply for a loan with usopen an account, please stop by one of our lobby locationslocal offices. There will be no fees or consequences if you choose chose to decline to receive these disclosures and agreements electronically. It is recommended that you retain a paper copy or electronic copy of the ESign Agreement and any other disclosures pertaining to the account you have opened online for your records. In order for you to access, view and view, print or retain electronic communications that we make available to youcommunication in connection with online account opening, you your computer system must havemeet the following requirements: • An Internet browser that supports 128 bit encryption. •  An active email account • Adobe Acrobat Reader (for reading disclosures provided confirmation will be sent to you electronicallyyour email address) • Pop-Up  Supported Web browsers include: Internet Explorer, Firefox and Safari  Java & JavaScript enabled  Pop‐up blockers disabled, or disabled for our site • An operating system sites (disclosures and internet connection inactivity warnings occur via pop‐ups)  A printer or other device capable of receiving, accessing, displaying, printing and/ or retaining Internet based data  Adobe Acrobat reader – For reading disclosures and either printing or storing communications received from us in electronic form via an email or access documents and saving them to our website using a qualifying internet browser.you PC as needed. By checking “I have read and agree to the ESign Agreement,” I request Nutmeg State Financial Credit Union

Electronic Disclosure and Consent. We recommend that you retain a paper or electronic copy of this Agreement and any other disclosures pertaining to the account you are opening online. This notice is to provide you with your rights under the Electronic Signatures and National Commerce Act (ESIGN). To the extent allowed by law, you agree that any communication from us to you relating to this applicationthe online opening of your account, including but not limited to, disclosures, notices, statements, agreements, confirmations, or other information required to be delivered in writing under applicable law, may be delivered to you by electronic delivery, and that such electronic delivery will shall be in lieu of paper written communication. You have the right to request paper copies of the electronic disclosures and agreements you receivereceive when you open your online account. You may request paper copies by telephoning by: Writing us at 000-000-0000at: Nutmeg State Financial Credit Union 000 Xxxxxxxx Xxxxxx PO Box 66 Rocky Hill, or writing CT 06067‐0066 Telephoning us at Bangor Federal Credit Unionat: 860‐513‐5000 Or, P.O. Box 1161, Bangor, ME 04402-1161. emailing us at: xxxxxxxxxxxxx@xxxxxxxxxxxxxx.xxx You must inform the credit union whenever your contact information including information, such as your mailing address, telephone number number, or email address e‐ mail address, changes. You may update this information in person by calling us at one 000-000-0000 or at any of our locationsbranch offices. If you do not wish to have these disclosures provided to you electronically when you apply for a loan onlineopen your online account, you may decline by canceling out not checking “I have read and agree to the terms of the applicationESign Agreement”. If you do not consent to the electronic delivery of disclosures and agreements, you will not be able to apply for a loan open your account online. To apply for a loan with usopen an account, please stop by one of our lobby locationslocal offices. There will be no fees or consequences if you choose chose to decline to receive these disclosures and agreements electronically. It is recommended that you retain a paper copy or electronic copy of the ESign Agreement and any other disclosures pertaining to the account you have opened online for your records. In order for you to access, view and view, print or retain electronic communications that we make available to youcommunication in connection with online account opening, you your computer system must havemeet the following requirements: • An Internet browser that supports 128 bit encryption. •  An active email account • Adobe Acrobat Reader (for reading disclosures provided confirmation will be sent to you electronicallyyour email address) • Pop-Up  Supported Web browsers include: Internet Explorer, Firefox and Safari  Java & JavaScript enabled  Pop‐up blockers disabled, or disabled for our site • An operating system sites (disclosures and internet connection inactivity warnings occur via pop‐ups)  A printer or other device capable of receiving, accessing, displaying, printing and/ or retaining Internet based data  Adobe Acrobat reader – For reading disclosures and either printing or storing communications received from us in electronic form via an email or access documents and saving them to our website using a qualifying internet browser.you PC as needed. By checking “I have read and agree to the ESign Agreement,” I request Nutmeg State Financial Credit Union