Common use of Electronic Disclosures Clause in Contracts

Electronic Disclosures. We may deliver amendments to this Agreement and other disclosures to you in an electronic format. Other disclosures may include: • Monthly account statements • Deposit account disclosures • Notices regarding changes in account terms and fees • Privacy notices The equipment necessary for accessing these types of disclosures electronically is described within this Agreement. YOU AGREE TO ACCEPT THIS AGREEMENT AND OTHER ONLINE BANKING RELATED DISCLOSURES IN AN ELECTRONIC FORMAT. YOU ALSO AGREE AND REPRESENT THAT YOU HAVE THE NECESSARY EQUIPMENT FOR ACCESSING THE ONLINE BANKING SERVICE AND FOR VIEWING ELECTRONIC DISCLOSURES. If you consent to receive electronic disclosures and later change your mind, you may withdraw your consent and change to paper delivery format. You can notify us of your intent to cancel electronic disclosures by: • Opting out of electronic only statements on the statements page within the Service, • Sending us a message via the Contact Us option within the Online Banking Service or • Calling us at (000)000-0000. If you send us a message through the Online Banking Service, please be sure to identify yourself and the applicable accounts. After your opt-out request is processed, you will begin receiving paper copies of account statements and additional charges may apply. If you enroll for e-statements and then later close your accounts with Relyance Bank, N. A., your access to the Online Banking Service will also be terminated. You may request paper copies of historical statements by contacting us. A fee may apply. You should print or save a copy of all disclosures delivered electronically. Online banking customers may request paper copies of disclosures such as this Online Banking Agreement free of charge.

Electronic Disclosures. ‌ We may deliver amendments to this Agreement and other disclosures to you in an electronic format. Other disclosures may include: • include:‌  Monthly account statements • statements‌  Deposit account disclosures •  Notices regarding changes in account terms and fees •  Privacy notices  Account Alerts The equipment necessary for accessing these types of disclosures electronically is described within this Agreement. above in Section 4.‌ WITH YOUR ACCEPTANCE, YOU AGREE TO ACCEPT THIS AGREEMENT AND OTHER ONLINE INTERNET BANKING RELATED DISCLOSURES IN AN ELECTRONIC FORMAT. YOU ALSO AGREE AND REPRESENT THAT YOU HAVE THE NECESSARY EQUIPMENT FOR ACCESSING THE ONLINE INTERNET BANKING SERVICE AND FOR VIEWING ELECTRONIC DISCLOSURES. DISCLOSURES.‌ If you consent to receive electronic disclosures and later change your mind, you may withdraw your consent and change to paper delivery format. You can notify us of your intent to cancel electronic disclosures by: • Opting out of electronic only statements on the statements page within the Service, • by:‌  Sending us a letter to 0000 Xxxxxx Xxxx Xxxxxxx XX 00000‌  Sending us a secure message via through the Contact Us option within the Online Internet Banking Service Service, or • Calling  By contacting us at this phone number: (000)000000) 000-0000. 0000 or 800-44-MOCSE If you send us a secure message through the Online Internet Banking ServiceService or write us a letter, please be sure to identify yourself and the applicable accountsaccounts.‌ As part of the enrollment process, we may ask if you want to receive electronic only versions of your account statements (e-statements). If you enroll for e-statements and then later decide that you want to receive paper statements, you can “opt-out” of electronic delivery on the “Statements” page within the Internet Banking Service. After your opt-out request is processed, you will begin receiving paper copies of account statements and additional charges may apply. apply.‌ If you enroll for e-statements and then later close your accounts with Relyance Bank, N. A.Mocse, your access to the Online Banking Internet banking Service will also be terminated. You may request paper copies of historical statements by contacting usat the address listed above. A fee may apply. Please refer to the Schedule of Fees & Charges at xxx.xxxxx.xxx‌‌ You should print or save a copy of all disclosures delivered electronically. Online Internet banking customers may request paper copies of disclosures such as this Online Internet Banking Agreement free of charge.charge‌‌ If you enroll for the Service in one of our office locations, we will send you a secure message and ask you to confirm your ability to access the Service and e-statements.‌

Electronic Disclosures. We may deliver amendments to this Agreement and other disclosures to you in an electronic format. Other disclosures may include: • Monthly account statements • Deposit account disclosures • Notices regarding changes in account terms and fees • Privacy notices • Other account notices The equipment necessary for accessing these types of disclosures electronically is described within this Agreementabove in Section 4. WITH YOUR ACCEPTANCE BELOW, YOU AGREE TO ACCEPT THIS AGREEMENT AND OTHER ONLINE INTERNET BANKING RELATED DISCLOSURES IN AN ELECTRONIC FORMAT. YOU ALSO AGREE AND REPRESENT THAT YOU HAVE THE NECESSARY EQUIPMENT FOR ACCESSING THE ONLINE INTERNET BANKING SERVICE AND FOR VIEWING ELECTRONIC DISCLOSURES. If you consent to receive electronic disclosures and later change your mind, you may withdraw your consent and change to paper delivery format. You can notify us of your intent to cancel electronic disclosures by: • Opting out of electronic only statements on the statements page within the ServiceSending us a letter to: Farmers National Bank Attn: Customer Contact Center PO Box 28 Danville, KY 40423-0028 • Sending us a secure message via through the Contact Us option within the Online Internet Banking Service Service, or • Calling By contacting us at (000)000this phone number: 000-0000. 000-0000 If you send us a secure message through the Online Internet Banking ServiceService or write us a letter, please be sure to identify yourself and the applicable accounts. Note: Withdrawing your consent to receive electronic disclosures may result in increased fees and will make you ineligible for certain types of accounts and services. Please contact a customer service representative for additional information. As part of the enrollment process, we may ask if you want to receive electronic only versions of your account statements (e-statements). If you enroll for e-statements and then later decide that you want to receive paper statements, you can opt-out of electronic delivery on the Statements page within the Internet Banking Service. After your opt-out request is processed, you will begin receiving paper copies of account statements statements. Additional charges and additional charges service changes may apply. If you enroll for e-statements and then later close your accounts with Relyance Farmers National Bank, N. A., your access to the Online Banking Internet banking Service will also be terminated. You may request paper copies of historical statements by contacting usat the address listed above. A fee Additional services charges may apply. You should print or save a copy of all disclosures delivered electronically. Online Internet banking customers may request paper copies of disclosures such as this Online Internet Banking Agreement free of charge.

Electronic Disclosures. We may deliver amendments to this Agreement and other disclosures to you in an electronic format. Other disclosures may include: • · Monthly account statements • · Deposit account disclosures • · Notices regarding changes in account terms and fees • · Privacy notices The equipment necessary for accessing these types of disclosures electronically is described within above in Section 3. With your acceptance below, you agree to accept this Agreementagreement and other Online Banking related disclosures in an electronic format. YOU AGREE TO ACCEPT THIS AGREEMENT AND OTHER ONLINE BANKING RELATED DISCLOSURES IN AN ELECTRONIC FORMAT. YOU ALSO AGREE AND REPRESENT THAT YOU HAVE THE NECESSARY EQUIPMENT FOR ACCESSING THE ONLINE BANKING SERVICE AND FOR VIEWING ELECTRONIC DISCLOSURESYOu also agree and represent that you have the necessary equipment for accessing the Online Banking Service and for viewing electronic disclosures. If you consent to receive electronic disclosures and later change your mind, you may withdraw your consent and change to paper delivery format. You can notify us of your intent to cancel electronic disclosures by: • Opting out of electronic only statements on the statements page within the Service, • · Sending us a message via the Contact Us option within the Online Banking Service or • Calling us at (000)000letter to 000 Xxxx Xxx, XX Xxx 000, Xxxxxxxx XX 00000-0000. If you send 0000 · Sending us a secure message through the Online Banking Service, or · By contacting us at this phone number: (000) 000-0000 or (000) 000-0000 If you send us a secure message through the Online Banking Service or write us a letter, please be sure to identify yourself and the applicable accounts. As part of the enrollment process, we may ask if you want to receive electronic only versions of your account statements (e-statements). If you enroll for e-statements and then later decide that you want to receive paper statements, you can “opt-out” of electronic delivery on the “Statements” page within the Online Banking Service. After your opt-out request is processed, you will begin receiving paper copies of account statements and additional charges may applystatements. If you enroll for e-statements and then later close your accounts with Relyance Bank, N. A.Profinium, your access to the Online Banking Service will also be terminated. You may request paper copies of historical statements by contacting usat the address listed above. A Fees will be charged in accordance with the fee may applyschedule in place at the time of the request. You should print or save a copy of all disclosures delivered electronically. Online banking Banking customers may request paper copies of disclosures such as this Online Banking Agreement free of charge.

Electronic Disclosures. We may deliver amendments to this Agreement and other disclosures to you in an electronic format. Other disclosures may include: • Monthly account statements • Deposit account disclosures • Notices regarding changes in account terms and fees • Privacy notices The equipment necessary for accessing these types of disclosures electronically is described within this Agreement. YOU AGREE TO ACCEPT THIS AGREEMENT AND OTHER ONLINE BANKING RELATED DISCLOSURES IN AN ELECTRONIC FORMAT. YOU ALSO AGREE AND REPRESENT THAT YOU HAVE THE NECESSARY EQUIPMENT FOR ACCESSING THE ONLINE BANKING SERVICE AND FOR VIEWING ELECTRONIC DISCLOSURES. If you consent to receive electronic disclosures and later change your mind, you may withdraw your consent and change to paper delivery format. You can notify us of your intent to cancel electronic disclosures by: • Opting out of electronic only statements on the statements page within the Service, • Sending us a message via the Contact Us option within the Online Banking Service or • Calling us at (000)000-0000XXXX. If you send us a message through the Online Banking Service, please be sure to identify yourself and the applicable accounts. After your opt-out request is processed, you will begin receiving paper copies of account statements and additional charges may apply. If you enroll for e-statements and then later close your accounts with Relyance Bank, N. A., your access to the Online Banking Service will also be terminated. You may request paper copies of historical statements by contacting us. A fee may apply. You should print or save a copy of all disclosures delivered electronically. Online banking customers may request paper copies of disclosures such as this Online Banking Agreement free of charge.

Electronic Disclosures. We may deliver amendments to this Agreement and other disclosures to you in an electronic format. Other disclosures may include: • Monthly account statements • Deposit account disclosures • Notices regarding changes in account terms and fees • Privacy notices The equipment necessary for accessing these types of disclosures electronically is described within this Agreement. YOU AGREE TO ACCEPT THIS AGREEMENT AND OTHER ONLINE BANKING RELATED DISCLOSURES IN AN ELECTRONIC FORMAT. YOU ALSO AGREE AND REPRESENT THAT YOU HAVE THE NECESSARY EQUIPMENT FOR ACCESSING THE ONLINE BANKING SERVICE AND FOR VIEWING ELECTRONIC DISCLOSURES. If you consent to receive electronic disclosures and later change your mind, you may withdraw your consent and change to paper delivery format. You can notify us of your intent to cancel electronic disclosures by: • Opting out of electronic only statements on the statements page within the Service, • Sending us a message via the Contact Us option within the Online Banking Service or • Calling us at (000)000-0000XXXX. If you send us a message through the Online Banking Service, please be sure to identify yourself and the applicable accounts. After your opt-out request is processed, you will begin receiving paper copies of account statements and additional charges may apply. If you enroll for e-statements and then later close your accounts with Relyance Bank, N. A., your access to the Online Banking Service will also be terminated. You may request paper copies of historical statements by contacting us. A fee may apply. You should print or save a copy of all disclosures delivered electronically. Online banking customers may request paper copies of disclosures such as this Online Banking Agreement free of charge.

Electronic Disclosures. We may deliver amendments to this Agreement and other disclosures to you in an electronic format. Other disclosures may include: • Monthly account statements • Deposit account disclosures • Notices regarding changes in account terms and fees • Privacy notices The equipment necessary for accessing these types of disclosures electronically is described within above in Section 4. With your acceptance below, you agree to accept this Agreementagreement and other Internet Banking related disclosures in an electronic format. YOU AGREE TO ACCEPT THIS AGREEMENT AND OTHER ONLINE BANKING RELATED DISCLOSURES IN AN ELECTRONIC FORMATYou also agree and represent that you have the necessary equipment for accessing the Internet Banking Service and for viewing electronic disclosures. YOU ALSO AGREE AND REPRESENT THAT YOU HAVE THE NECESSARY EQUIPMENT FOR ACCESSING THE ONLINE BANKING SERVICE AND FOR VIEWING ELECTRONIC DISCLOSURESAfter the completion of the enrollment process, you may request to receive electronic only versions of your accounts’ statements (e-statements). If you enroll for e- statements and then later decide that you want to receive payment statements, you will need to notify us. If you consent to receive electronic disclosures and later change your mind, you may withdraw your consent and change to paper delivery format. You can notify us of your intent to cancel electronic disclosures and/or e-statements by: • Opting out of electronic only statements on the statements page within the ServiceSending us a letter to 00000 Xx Xxxxxx Xxxx Xxxxx 000, Xxx Xxxxx, XX 00000, • Sending us a secure message via through the Contact Us option within the Online Internet Banking Service Service, or • Calling Contacting us at this phone number: (000)000-00000000 or • Sending us an email at xxxxxxxxxxxxx@xxxxxxxxx.xxx. If you send us a secure message through the Online Internet Banking ServiceService or write us a letter, please be sure to identify yourself and the applicable accounts. After your opt-out request is processed, you will begin receiving paper copies of account statements and additional charges may apply. If you enroll for e-statements and then later close your accounts with Relyance Bank, N. A.Bank of Southern California N.A., your access to the Online Banking Internet banking Service will also be terminated. You may request paper copies of historical statements by contacting us. A fee may applyat the address listed above. You should print or save a copy of all disclosures delivered electronically. Online Internet banking customers may request paper copies of disclosures such as this Online Internet Banking Agreement free of charge.

Electronic Disclosures. We may deliver amendments to this Agreement and other disclosures to you in an electronic format. Other disclosures may include: • Monthly account statements • Deposit account disclosures • Notices regarding changes in account terms and fees • Privacy notices The equipment necessary for accessing these types of disclosures electronically is described within this Agreement. YOU AGREE TO ACCEPT THIS AGREEMENT AND OTHER ONLINE BANKING RELATED DISCLOSURES IN AN ELECTRONIC FORMAT. YOU ALSO AGREE AND REPRESENT THAT YOU HAVE THE NECESSARY EQUIPMENT FOR ACCESSING THE ONLINE BANKING SERVICE AND FOR VIEWING ELECTRONIC DISCLOSURES. If you consent to receive electronic disclosures and later change your mind, you may withdraw your consent and change to paper delivery format. You can notify us of your intent to cancel electronic disclosures by: • Opting out of electronic only statements on the statements page within the Service, • Sending us a message via the Contact Us Secure Messaging option within the Online Banking Service or • Calling us at (000)000-0000XXXX. If you send us a message through the Online Banking Service, please be sure to identify yourself and the applicable accounts. After your opt-out request is processed, you will begin receiving paper copies of account statements and additional charges may apply. If you enroll for e-statements and then later close your accounts with Relyance Bank, N. A., your access to the Online Banking Service will also be terminated. You may request paper copies of historical statements by contacting us. A fee may apply. You should print or save a copy of all disclosures delivered electronically. Online banking customers may request paper copies of disclosures such as this Online Banking Agreement free of charge.

Electronic Disclosures. We may deliver amendments to this Agreement and other disclosures to you in an electronic format. Other disclosures may include: • Monthly •Monthly account statements • Deposit •Deposit account disclosures • Notices •Notices regarding changes in account terms and fees • Privacy •Privacy notices The equipment necessary for accessing these types of disclosures electronically is described within above in Section 3. With your acceptance below, you agree to accept this Agreementagreement and other Internet Banking related disclosures in an electronic format. YOU AGREE TO ACCEPT THIS AGREEMENT AND OTHER ONLINE BANKING RELATED DISCLOSURES IN AN ELECTRONIC FORMAT. YOU ALSO AGREE AND REPRESENT THAT YOU HAVE THE NECESSARY EQUIPMENT FOR ACCESSING THE ONLINE BANKING SERVICE AND FOR VIEWING ELECTRONIC DISCLOSURESXXx also agree and represent that you have the necessary equipment for accessing the Internet Banking Service and for viewing electronic disclosures. If you consent to receive electronic disclosures and later change your mind, you may withdraw your consent and change to paper delivery format. You will still have a right to request a paper copy of your statement. Valley Bank will provide one (1) paper statement free of charge. You will be charged $2.00 per statement for any additional statements unless the requested statements are in related to a documented bank error. You can notify us of your intent to cancel electronic disclosures by: • Opting out of electronic only statements on •Sending us a letter to PO Box 48 Kalispell, MT 59903-0048 •Sending us a secure message through the statements page within the Internet Banking Service, • Sending us a message via the Contact Us option within the Online Banking Service or • Calling •By contacting us at this phone number: (000)000000) 000-0000. 0000 If you send us a secure message through the Online Internet Banking ServiceService or write us a letter, please be sure to identify yourself and the applicable accounts. As part of the enrollment process, we may ask if you want to receive electronic only versions of your account statements (e-statements). If you enroll for e-statements and then later decide that you want to receive paper statements, you can “opt-out” of electronic delivery on the “Statements” page within the Internet Banking Service. After your opt-out request is processed, you will begin receiving paper copies of account statements and additional charges may apply. If you enroll for e-statements and then later close your accounts with Relyance Valley Bank, N. A., your access to the Online Banking Internet banking Service will also be terminated. You may request paper copies of historical statements by contacting us. A at the address listed above at an additional charge according to our fee may applyschedule. You should print or save a copy of all disclosures delivered electronically. Online Internet banking customers may request paper copies of disclosures such as this Online Internet Banking Agreement free of charge.