Common use of Scope of Your Consent Clause in Contracts

Scope of Your Consent. Your Consent applies only to your electronic receipt of Disclosures and legal documents in connection with the origination, closing and servicing of the Loan or deposit account. Your Consent does not apply to other transactions that you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using one of the Contacts described above. What records will you provide to me electronically? If you consent, you will receive electronic records that relate to our online banking services. These will include the following types of documents: o Your monthly account statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have an option to regularly receive these records in non-electronic form? After you provide your Consent, you may receive, without charge, a paper copy of any Disclosures that have been provided to you electronically by contacting us using one of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Fees herein for any costs associated with this service. If I consent to electronic records now, and change my mind, what can I do and what are the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting paper statements and documents be provided to you. However, remember that the Online Banking Service does not support paper-based communications. So the consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the Online Banking Service will end.

Scope of Your Consent. Your Consent applies only to your electronic receipt of Disclosures and legal documents in connection with the origination, closing and servicing of the Loan or deposit account. Your Consent does not apply to other transactions that you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using one of the Contacts described above. What records will you provide to me electronically? If you consent, you will receive electronic records that relate to our online banking services. These will include the following types of documents: o Your monthly account statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have an option to regularly receive these records in non-electronic form? After you provide your Consent, you may receive, without charge, a paper copy of any Disclosures that have been provided to you electronically by contacting us using one of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Fees herein for any costs associated with this service. If I consent to electronic records now, and change my mind, what can I do and what are the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting paper statements and documents be provided to you. However, remember that the Online Banking Service does not support paper-based communications. So the The consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the Online Banking Service will end.

Scope of Your Consent. Your Consent applies only to your electronic receipt of Disclosures and legal documents in connection with the origination, closing and servicing of the Loan or deposit account. Your Consent does not apply to other transactions that you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using one of the Contacts described above. What records will you provide to me electronically? If you consent, you will receive electronic records that relate to our online banking services. These will include the following types of documents: o Your monthly account statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have an option to regularly receive these records in non-electronic form? After you provide your Consent, you may receive, without charge, a paper copy of any Disclosures that have been provided to you electronically by contacting us using one of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Deposit Account Fees herein and Terms for any costs associated with this service. If I consent to electronic records now, and change my mind, what can I do and what are the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting paper statements and documents be provided to you. However, remember that the Online Banking Service does not support paper-based communications. So the consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the Online Banking Service will end.

Scope of Your Consent. Your Consent applies only to your electronic receipt of Disclosures and Disclosuresand legal documents in connection with the origination, closing and servicing of the Loan or deposit account. Your Consent does not apply to other transactions that you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using one of the Contacts described above. What records will you provide to me electronically? If you consent, you will receive electronic records that relate to our online banking services. These will include the following types of documents: o Your monthly account statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have an option to regularly toregularly receive these records in nontheserecordsinnon-electronic form? After electronicform?After you provide your provideyour Consent, you may receive, without charge, a paper copy of any Disclosures that have been provided to you electronically by contacting us using one of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Deposit Account Fees herein and Terms for any costs associated with this service. If I consent to electronic records nowrecordsnow, and change my mindmymind, what can whatcan I do and what are andwhatare the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting paper statements and documents be provided to you. However, remember that the Online Banking Service does not support paper-based communications. So the consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the Online Banking Service will end.

Scope of Your Consent. Your Consent applies only to your electronic receipt of Disclosures and legal documents in connection with the origination, closing and servicing of the Loan or deposit account. Your Consent does not apply to other transactions that you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using one of the Contacts described above. What records will you provide to me electronically? If you consent, you will receive electronic records that relate to our online banking services. These will include the following types of documents: o Your monthly account statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have an option to regularly receive these records in non-electronic form? After you provide your Afteryouprovideyour Consent, you may receive, without charge, a paper copy of any Disclosures that have been provided to you electronically by contacting us using one of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Deposit Account Fees herein and Terms for any costs associated with this service. If I consent to electronic records now, and change my mind, what can I do and what are the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting paper statements and documents be provided to you. However, remember that the Online Banking Service does not support paper-based communications. So the consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the Online Banking Service will end.

Scope of Your Consent. Your Consent applies only to your electronic receipt of Disclosures and legal documents in connection with the origination, closing and servicing of the Loan or deposit account. Your Consent does not apply to other transactions that you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using one of the Contacts described above. What records will you provide to me electronically? If you consent, you will receive electronic records that relate to our online banking services. These will include the following types of documents: o Your monthly account statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have DoIhave an option to regularly receive these records in nonreceivetheserecords innon-electronic form? After electronicform?After you provide your Consent, you may receive, without charge, a paper copy of any Disclosures that have been provided to you electronically by contacting us using one of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Fees herein for any costs associated with this service. If I consent to electronic records electronicrecords now, and change my mindandchange mymind, what can I do and what are the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting paper statements and documents be provided to you. However, remember that the Online Banking Service does Services do not support paper-based communications. So the consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the Online Banking Service Services will end.

Scope of Your Consent. Your Consent applies only to your electronic receipt of Disclosures and legal documents in connection with the origination, closing and servicing of the Loan or deposit account. Your Consent does not apply to other transactions that you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using one of the Contacts described above. What records will you provide to me electronically? If you consent, you will receive electronic records that relate to our online banking services. These will include the following types of documents: o Your monthly account statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have an option to regularly receive these records in non-electronic form? After you provide your Consent, you may receive, without charge, a paper copy of any Disclosures that have been provided to you electronically by contacting us using one of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Fees herein for your account for any costs associated with this service. If I consent to electronic records now, and change my mind, what can I do and what are the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting paper statements and documents be provided to you. However, remember that the Online Banking Service does not support paper-paper- based communications. So the consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the Online Banking Service will end.

Scope of Your Consent. Your Consent applies only to your electronic receipt of Disclosures and legal documents in connection with connectionwith the origination, closing and servicing of the Loan or deposit account. Your Consent does not apply to other transactions that you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using one of the Contacts described above. What records will you provide to me electronically? If you consent, you will receive electronic records that relate to our online banking services. These will include the following types of documents: o Your monthly account monthlyaccount statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have an option to regularly receive these records in non-electronic form? After form?After you provide your provideyour Consent, you may receive, without charge, a paper copy of any Disclosures that have been provided to you electronically by contacting us using one of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Deposit Account Fees herein and Terms for any costs associated with this service. If I consent Iconsent to electronic records now, and change my mind, what can I do and what are mymind,whatcan Xxx andwhatare the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting paper statements and documents be provided to you. However, remember that the Online Banking Service does not support paper-based communications. So the consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the Online Banking Service will end.

Scope of Your Consent. Your Consent applies only When you click the “I Consent” button on the “Disclosures” screen that contains a link to this agreement, you agree to receive certain agreements, including your enrollment documents and account opening disclosures, and if you specify, tax forms pertaining to your electronic receipt of Disclosures HSA, statements, notices, and legal documents in connection with the origination, closing and servicing other communications (all of the Loan or deposit accountforegoing categories of records called “Documents”) about your HSA electronically. Your Consent This agreement does not apply to other transactions the investment portion of your HSA that you may wish open to enter into with usinvest funds from your HSA, or to documents, disclosures, confirmations or statements related to those investments. To Withdraw In order to open your Consent all HSA, you need must agree to do is contact us using one receive the following Documents electronically: (a) this Agreement; (b) the UMB HSA Custodial Agreement; (c) the UMB Bank Deposit Account Agreement Terms and Conditions, including Regulatory Disclosures and Fee Schedule; (d) UMB Healthcare Services Privacy Notice. The documents listed in (a) through (d) are called the “Enrollment Documents” And consist of a package which must be received together. Although you also have the option to call and request paper copies of the Contacts described aboveEnrollment Documents, you must complete your enrollment online by acknowledging your receipt of these documents using this website to complete your enrollment. What records will you provide to me electronically? We do not offer enrollment in only a paper format for your HSA. We offer certain options for receiving your HSA statements, related notices, and tax information. Statements and other related notices. If you consent, have selected “Paperless Statements,” you will not receive paper Documents related to your HSA. All Documents will be delivered to you in electronic records that relate to our online banking servicesformat. These will include the following types of documents: o Your monthly account statement, if applicable. (As part of the monthly account statement, If you elect “Paper Statements,” you will not receive information about your account). o Other periodic or special notices (error resolution notices if Documents in electronic form and we will mail you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have an option to regularly receive these records in non-electronic form? After you provide your Consent, you may receive, without charge, a paper copy of those Documents to the mailing address that we have on file for you. You may be charged a monthly fee for this service. Note: At any Disclosures that time you will be able to log on to your secure website and view your HSA statements online. Tax Forms. Tax activity based upon your HSA may be viewed and printed online on the secure website. We will provide the tax forms related to your HSA (1099-SA and 5498-SA) only by mail to your address of record for the HSA. You may be required to attach those tax forms to a federal, state or local income tax return. In the future if we offer Paperless Tax Forms and you have been provided to you electronically by contacting us using one of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records elected for electronic delivery, your tax forms will be delivered to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records format unless you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Fees herein for any costs associated with this service. If I consent to electronic records now, and change my mind, what can I do and what are the consequences? You can change your mind, and withdraw your consent. Even if you consent to receive these Documents in only electronic format, at any time, and provide notification you will be able to us at print the contact information above requesting Document from this web site using a printer connected to your computer. You can also specifically request a paper statements and documents copy of Documents by following the procedures outlined in the paragraph titled “Option for Paper Records” below. Documents provided electronically will be provided available on the website you use to youaccess your HSA for 18 months from the time they are posted to the website. However, remember that the Online Banking Service does not support paper-based communications. So the consequence to youif your HSA is closed before that, if you withdraw your consent to electronic records, is that your may no longer have access to those Documents through the website. How You Access the Documents you have agreed to receive electronically. For statements and other Documents that we provide to you electronically after the HSA has been opened, we send an email to the email address that you have provided to us for the Account. When we send a notice to your ability email address in our records for the HSA that notifies you of the availability of a Document, you must promptly log into the website that you use to use access your HSA online and retrieve the Online Banking Service Document. You agree that our delivery of notice of the availability of the Document to your email address on file with us for the Account will endconstitute your effective receipt of the Document. You agree to access the website at least every 30 days to review your Account statements. You can update your email address at any time by following the directions given in the paragraph titled “Updating Your Contact Information” below.

Scope of Your Consent. Your Consent applies only to your electronic receipt of Disclosures and legal documents in connection with the origination, closing and servicing of the Loan or deposit account. Your Consent does not apply to other transactions that you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using one of the Contacts described above. What records will you provide to me electronically? If you consent, you will receive electronic records that relate to our online banking services. These will include the following types of documents: o Your monthly account statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have an option to regularly haveanoption toregularly receive these records in nonrecordsinnon-electronic form? After you provide your provideyour Consent, you may receive, without charge, a paper copy of any Disclosures that have been provided to you electronically by contacting us using one of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Deposit Account Fees herein and Terms for any costs associated with this service. If I consent to electronic records nowIconsent toelectronic recordsnow, and change my mindandchange mymind, what can I do and whatcan Idoand what are the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting paper statements and documents be provided to you. However, remember that the Online Banking Service does not support paper-based communications. So the consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the Online Banking Service will end.

Scope of Your Consent. Your Consent applies only to your electronic receipt of Disclosures and legal andlegal documents in connection with the origination, closing and servicing of the Loan or deposit account. Your Consent does not apply to other transactions that you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using one of the Contacts described above. What records will you provide to me electronically? If you consent, you will receive electronic records that relate to our online banking services. These will include the following types of documents: o Your monthly account statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have an option to regularly receive these records in non-electronic form? After you provide your Consent, you may receive, without charge, a paper copy of any Disclosures that have been provided to you electronically by contacting us using one of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Deposit Account Fees herein and Terms for any costs associated with this service. If I consent to electronic Iconsent toelectronic records now, and change my mindmymind, what can I do and what Ido andwhat are the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting paper statements and documents be provided to you. However, remember that the Online Banking Service does not support paper-based communications. So the consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the Online Banking Service will end.

Scope of Your Consent. Your Consent applies only to your electronic receipt of Disclosures and legal documents in connection with connectionwith the origination, closing and servicing of the Loan or deposit account. Your Consent does not apply to other transactions that you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using one of the Contacts described above. What records will you provide to me electronically? If you consent, you will receive electronic records that relate to our online banking services. These will include the following types of documents: o Your monthly account monthlyaccount statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have an option to regularly receive these records in non-electronic form? After you provide your provideyour Consent, you may receive, without charge, a paper copy of any Disclosures that have been provided to you electronically by contacting us using one of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Deposit Account Fees herein and Terms for any costs associated with this service. If I consent to electronic records now, and change my mind, what can I do and what are the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting paper statements and documents be provided to you. However, remember that the Online Banking Service does not support paper-based communications. So the consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the Online Banking Service will end.

Scope of Your Consent. Your Consent applies only to your electronic receipt of Disclosures and legal documents in connection with the origination, closing and servicing of the Loan or deposit account. Your Consent does not apply to other transactions that you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using one of the Contacts described above. What records will you provide to me electronically? If you consent, you will receive electronic records that relate to our online banking services. These will include the following types of documents: o Your monthly account statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have an option to regularly receive these records in non-electronic form? After you provide your Consent, you may receive, without charge, a paper copy of any Disclosures that have been provided to you electronically by contacting us using one of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Fees herein for any costs associated with this service. If I consent to electronic records now, and change my mind, what can I do and what are the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting paper statements and documents be provided to you. However, remember that the Online Banking Service does not support paper-based communications. So the consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the Online Banking Service will end. Change of your designated E-Mail Address. If you change your designated e-mail address, you must notify the Bank to ensure continued delivery of electronic records. Are there any hardware or software requirements for me to access or retain the electronic records? You will need a computer with sufficient memory to store electronic records, and with a working connection to the Internet. You will need a minimum web-browser version of Internet Explorer 8.0 (or higher version), Firefox 4.0 (or higher version), Safari 6.0 (or higher version), Chrome, with e-mail capability. Your browser will need to have a minimum of 128-bit encryption capabilities. You are responsible for configuring your system to accommodate these requirements. Finally, you will need a printer if you want to print copies of electronic records. If we change the minimum hardware or software requirements needed to access or retain electronic records, and the change creates a material risk that you will not be able to access or retain a subsequent record, then before the change takes effect we will let you know about the change and let you know what the new requirements are. We will notify you by e-mail, and at that time you will be allowed to choose whether you still want to give us your consent to receive communications or information by electronic records. If not, you will be allowed to withdraw your consent at that time, without any fee or charge by us. However, if you withdraw your consent, you may not be able to access the Online Banking Services without upgraded hardware or software. Then, your ability to use the Online Banking Service could also end (as described above, under "If I consent to electronic records now, and change my mind, what can I do and what are the consequences?"). How will the electronic records be provided to me? All Disclosures are available on the Bank's Website and can be accessed by clicking on the "Disclosures" tab. Other periodic or special notices will be sent to you by e-mail, unless they contain confidential account information at which time they will be sent by secure email through the online banking service on our Website. Your monthly account statements, if applicable, contain confidential information, so they will be stored for you to access (print or review) on the online banking service on our Website, at xxx.xxxxxxxxx.xxx and will be available to you, for at least 2 years following the date it is first posted. To access your monthly statements and any notices sent by secure email, you will need to sign-in to the online banking service of the Bank's Website. Are there other special requirements for electronic records? You must provide us with your current e-mail address, and keep it current with us at all times. Otherwise, you may not receive electronic records in a timely manner. If you download or print any confidential materials, such as your monthly statements, be sure that, you store them in a secure environment. Privacy Policy‌ We recognize, respect and protect the personal privacy rights of all our customers and work diligently to safeguard your privacy. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers’ personal information, as well as the personal information of all consumers who visit our institution. The following Privacy Policy explains how we use and protect the information about our customers. We ask that you read it carefully. Privacy Policy General Banking Information and Terms‌ Accepting Deposits‌ You authorize us to accept items for deposit to your deposit account if they are made payable to you. You also authorize us to deposit to your account wire transfers and other forms of credit (such as direct deposits or other automated clearinghouse entries) received for your benefit. Account Ownership‌ The bank may rely solely on its records to determine the form of ownership of your account. The bank may presume that any person named in addition to you in its records for your account owns the funds in your account as a co-owner. Account ownership is non transferrable. ACH New Account Funding‌ ACH Funding will be posted upon final credit from the external bank; typically 2 - 3 business days after the new account is opened. Annual Percentage Yield (APY)‌ APY is the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365- day period (366-day period in a leap year), and is expressed as a percentage. Available Balance‌ Available Balance is the amount of funds available for withdrawal and authorizing transactions. Your Available Balance may be different than your ledger Balance or Collected Balance. The Available Balance is reduced by 1) the amount of pending transactions, such as a point-of-sale transaction; 2) funds on hold in accordance with our funds availability policy; 3) our receipt of notice that a transaction will be presented or returned; 4) our receipt of legal process relating to your account; or 5) your use of your account as a security for a loan. Average Daily Balance‌ Average daily balance is determined by taking the end-of-day balance in the account for each day in the statement period, add those balances together, and then divide by the number of days in the statement period. Business Days‌ Our Business Days are Monday through Friday, excluding federal holidays. Cash Deposits‌ Please do not send cash deposits. In the event that cash deposits are received by the Bank, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is not liable for any deposits, including cash, lost in the mail. Check Forms and Special Conditions‌ We require you to use a check printer that meets technical standards for checks that are acceptable to us and the Federal Reserve Bank System. We reserve the right to disregard any information on the check other than the drawer's signature, the payee, the amount, any magnetically-encoded information at the bottom of the check, and endorsements on the reverse side of the check unless we have previously agreed to do so in writing. For example, we will not be liable for any damages because we pay an Item which contained any conditional statement or restriction such as "Void after 90 days", "Void over $100", "Payment in Full", or "Two Signatures Required". We will adhere to such conditional statements only if you notify us of the statements before the Item is presented and we have specifically agreed in writing to honor such conditional payment restrictions. If an Item is returned or payment is delayed as a result of any writing or marking that you or a prior endorser placed on the front or back of the Item, you will be responsible for any cost and liabilities associated with such return or delay. Collected Balance‌ Collected Balance is the Ledger Balance minus the amount of any deposited checks for which we have not received provisional credit from the bank of account. Your Collected Balance may be different than your Available Balance. Converting Checks to Electronic Debits‌ Some businesses convert checks that you give them into electronic debits, sometimes referred to as an electronic check. When we receive the electronic debit, we charge your account immediately after the business enters the transaction, so you may have a reduced right to stop payment and may incur an overdraft if you do not have sufficient funds in your account to cover the amount of the check at the time you write the check or authorize the transaction. Since the check is not sent to us, we do not have a copy of your check. We list these electronic debits on your account statement. If the business uses your check to initiate an electronic debit at the point of sale, the business should give you notice of the conversion and return the voided check to you. You should treat the voided check with care because someone else who obtains possession of it could use the information to initiate additional debits against your account. Death or Incompetence‌ You agree to notify us promptly if any owner or authorized xxxxxx on your account dies or is declared incompetent by a court. Until we receive a notice of death or incompetency, we may act with respect to any account or service as if all owners, signers or other persons are alive and competent and we will not be liable for any actions or inactions taken on that basis. If you give us instructions regarding your account, and you or another owner of the account subsequently dies or is declared incompetent, we may act on the instructions unless we receive written notice of death or competency prior to honoring such instructions. When we receive a notice that an owner has died or been declared incompetent, we may place a hold on your account and refuse to accept deposits or permit withdrawals. We may hold any funds in your account until we know the identity of the successor. If a deposit including salary, pension, Social Security and Supplemental Security Income (SSI) – payable to deceased owner is credited to the account after the date the deceased owner died, we may debit the account for the deposit and return it to the payer. Demand Drafts and Remotely Created Checks‌ If you deposit a demand draft or remotely created check (an unsigned draft or preauthorized draft) into your account, you warrant and guarantee that the draft or remotely created check is authorized according to the terms on its face by the person(s) identified as the drawer. You agree to indemnify us from all loss, expense and liability related to a claim that such check or draft was not authorized by the persons on whose account it was drawn on Endorsements‌ You authorize us to supply any missing endorsements if items are made payable to you or your order and you have not endorsed them. You warrant that all endorsements on items deposited to your account are genuine. Endorsements must be placed only in the area so designated on the back of an Item. Facsimile Signatures‌ If you use any form of facsimile signature in connection with the Deposit Account, you agree to deliver a sample to us before you begin using it, and to execute and deliver agreements in a form we require. When you use a facsimile signature or other form of automated signature device in connection with the Deposit Account, you agree you shall have the sole responsibility for maintaining security of the facsimile signature or device by which it is affixed, and you shall bear the entire risk for unauthorized use thereof, whether or not you are negligent, except as may be required by law. You agree that no facsimile signature we have been authorized to honor may be considered a forgery or an unauthorized signature, and that such facsimile or automated signature shall be effective as your signature or endorsement, whether or not you have been negligent. You further agree to indemnify and hold us harmless from and against any and all loss, costs, damage, liability, or exposure (including reasonable attorneys' fees) you may suffer or incur as a result of the unlawful use, unauthorized use, or misuse by any person of any such facsimile or automated signature or the device by which it is affixed. Foreign Items and Foreign Currency‌ A foreign item is a check or other item in any currency (including United States dollars) that is drawn on a bank or branch located outside of the United States. A foreign currency is any currency other than United States dollars. Some foreign items are payable in United States dollars.

Scope of Your Consent. Your Consent applies only An "electronic signature" may be clicking a check box, orally stating "I Agree", or otherwise taking any other action that indicates your agreement to your electronic and receipt of Disclosures a document. By indicating your consent below, you are agreeing that any electronic signatures that you may provide are legally binding signatures with the full legal force of a handwritten signature, which does not need to be verified, validated or certified by any third party. By indicating your consent below you are also agreeing that we can send you and legal documents you will receive electronically disclosures, communications, notices, forms, applications, policies and modifications to the same, which we choose to provide you electronically, unless and until you withdraw your consent as set forth below. This Consent is voluntary and you may refuse to sign this Consent, but your ability to submit your request for services electronically will be restricted and potentially delayed. If you (1) do not wish to consent to electronic signatures in connection with the originationServices, closing (2) do not consent to the electronic submission and servicing receipt of disclosures, communications, notices, forms, applications, policies and modifications related to the Loan Services or deposit account. Your Consent does (3) otherwise wish not apply to other transactions that engage in electronic transactions, you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using one at xxxxxxxxxx.xxxxxxxx@xxxxxxxxxxxxx.xxx for alternatives to submit your paperwork. In the event that we elect to discontinue the provision of any electronic communications or change the Contacts described above. What records terms and conditions on which we provide electronic communications, we will you provide to me electronically? If you consent, you will receive electronic records that relate to our online banking services. These will include the following types of documents: o Your monthly account statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices any notice of such discontinuance or changes as required by law. Obtaining a Paper Copy Your copy of this Consent and policies). Do I have an option all disclosures and communications related to regularly receive these records in non-electronic form? After you provide your this Consent, you may receiveincluding documents in relation to the Service, without chargewill be sent and received electronically as set forth below. We reserve the right, but assume no obligation except as set forth in this Consent to provide a paper copy of any Disclosures communication that you have been provided authorized us to you electronically provide electronically. You may save a paper copy of certain disclosures and communications by printing them. You may obtain additional paper copies by contacting us using one of the Contacts described aboveat: xxxxxxxxxx.xxxxxxxx@xxxxxxxxxxxxx.xxx. The Bank’s Online Banking Service has been designed and built to provide records to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, There will be no additional charge for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Fees herein for any costs associated with this service. If I consent to electronic records now, and change my mind, what can I do and what are the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting obtaining paper statements and documents be provided to you. However, remember that the Online Banking Service does not support paper-based communications. So the consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the Online Banking Service will endcopies.

Scope of Your Consent. Your Consent applies only to your electronic receipt of Disclosures and legal documents in connection with the origination, closing and servicing of the Loan or deposit account. Your Consent does not apply to other transactions that you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using one of the Contacts described above. What records will you provide to me electronically? If you consent, you will receive electronic records that relate to our online banking services. These will include the following types of documents: o Your monthly account statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have an option to regularly receive these records in non-electronic form? After you provide your Consent, you may receive, without charge, a paper copy of any Disclosures that have been provided to you electronically by contacting us using one of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Fees herein for any costs associated with this service. If I consent to electronic records now, and change my mind, what can I do and what are the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting paper statements and documents be provided to you. However, remember that the Online Banking Service does Services do not support paper-based communications. So the consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the Online Banking Service Services will end.

Scope of Your Consent. Your Consent applies only to your electronic receipt of Disclosures and legal documents in connection with the origination, closing and servicing of the Loan or deposit account. Your Consent does not apply to other transactions that you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using one of the Contacts described above. What records will you provide to me electronically? If you consent, you will receive electronic records that relate to our online banking services. These will include the following types of documents: o Your monthly account statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have an option to regularly receive these records in non-electronic form? After you provide your Consent, you may receive, without charge, a paper copy of any Disclosures that have been provided to you electronically by contacting us using one of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Fees herein for any costs associated with this service. If I consent to electronic records now, and change my mind, what can I do and what are the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting paper statements and documents be provided to you. However, remember that the Online Banking Service does not support paper-based communications. So the consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the Online Banking Service will end. Change of your designated E-Mail Address. If you change your designated e-mail address, you must notify the Bank to ensure continued delivery of electronic records. Are there any hardware or software requirements for me to access or retain the electronic records? You will need a computer with sufficient memory to store electronic records, and with a working connection to the Internet. You will need an internet connection; a Current Version of Internet Explorer, Chrome, Safari, or Firefox; an active e-mail account and related software for accessing the email account; a Current Version of a program that accurately reads and displays PDF files; and a device with an operating system capable of supporting previous items. Your browser will need to have a minimum of 128-bit encryption capabilities. You are responsible for configuring your system to accommodate these requirements. Finally, you will need a printer if you want to print copies of electronic records. If we change the minimum hardware or software requirements needed to access or retain electronic records, and the change creates a material risk that you will not be able to access or retain a subsequent record, then before the change takes effect we will let you know about the change and let you know what the new requirements are. We will notify you by e-mail, and at that time you will be allowed to choose whether you still want to give us your consent to receive communications or information by electronic records. If not, you will be allowed to withdraw your consent at that time, without any fee or charge by us. However, if you withdraw your consent, you may not be able to access the Online Banking Services without upgraded hardware or software. Then, your ability to use the Online Banking Service could also end (as described above, under "If I consent to electronic records now, and change my mind, what can I do and what are the consequences?"). How will the electronic records be provided to me? All Disclosures are available on the Bank's Website and can be accessed by clicking on the "Disclosures" tab. Other periodic or special notices will be sent to you by e-mail, unless they contain confidential account information at which time they will be sent by secure email through the online banking service on our Website. Your monthly account statements, if applicable, contain confidential information, so they will be stored for you to access (print or review) on the online banking service on our Website, at xxx.xxxxxxxxx.xxx and will be available to you, for at least 2 years following the date it is first posted. To access your monthly statements and any notices sent by secure email, you will need to sign-in to the online banking service of the Bank's Website. Are there other special requirements for electronic records? You must provide us with your current e-mail address, and keep it current with us at all times. Otherwise, you may not receive electronic records in a timely manner. If you download or print any confidential materials, such as your monthly statements, be sure that, you store them in a secure environment. Privacy Policy‌ We recognize, respect and protect the personal privacy rights of all our customers and work diligently to safeguard your privacy. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers’ personal information, as well as the personal information of all consumers who visit our institution. The following Privacy Policy explains how we use and protect the information about our customers. We ask that you read it carefully. Privacy Policy General Banking Information and Terms‌‌‌ Accepting Deposits You authorize us to accept items for deposit to your deposit account if they are made payable to you. You also authorize us to deposit to your account wire transfers and other forms of credit (such as direct deposits or other automated clearinghouse entries) received for your benefit. Account Ownership‌ The bank may rely solely on its records to determine the form of ownership of your account. The bank may presume that any person named in addition to you in its records for your account owns the funds in your account as a co-owner. Account ownership is non transferrable. ACH New Account Funding‌ ACH Funding will be posted upon final credit from the external bank; typically 2 - 3 business days after the new account is opened. Annual Percentage Yield (APY)‌ APY is the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365- day period (366-day period in a leap year), and is expressed as a percentage. Available Balance‌ Available Balance is the amount of funds available for withdrawal and authorizing transactions. Your Available Balance may be different than your ledger Balance or Collected Balance. The Available Balance is reduced by 1) the amount of pending transactions, such as a point-of-sale transaction; 2) funds on hold in accordance with our funds availability policy; 3) our receipt of notice that a transaction will be presented or returned; 4) our receipt of legal process relating to your account; or 5) your use of your account as a security for a loan. Average Daily Balance‌ Average daily balance is determined by taking the end-of-day balance in the account for each day in the statement period, add those balances together, and then divide by the number of days in the statement period. Business Days‌ Our Business Days are Monday through Friday, excluding federal holidays. Cash Deposits‌ Please do not send cash deposits. In the event that cash deposits are received by the Bank, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is not liable for any deposits, including cash, lost in the mail. Check Forms and Special Conditions‌ We require you to use a check printer that meets technical standards for checks that are acceptable to us and the Federal Reserve Bank System. We reserve the right to disregard any information on the check other than the drawer's signature, the payee, the amount, any magnetically-encoded information at the bottom of the check, and endorsements on the reverse side of the check unless we have previously agreed to do so in writing. For example, we will not be liable for any damages because we pay an Item which contained any conditional statement or restriction such as "Void after 90 days", "Void over $100", "Payment in Full", or "Two Signatures Required". We will adhere to such conditional statements only if you notify us of the statements before the Item is presented and we have specifically agreed in writing to honor such conditional payment restrictions. If an Item is returned or payment is delayed as a result of any writing or marking that you or a prior endorser placed on the front or back of the Item, you will be responsible for any cost and liabilities associated with such return or delay. Collected Balance‌ Collected Balance is the Ledger Balance minus the amount of any deposited checks for which we have not received provisional credit from the bank of account. Your Collected Balance may be different than your Available Balance. Converting Checks to Electronic Debits‌ Some businesses convert checks that you give them into electronic debits, sometimes referred to as an electronic check. When we receive the electronic debit, we charge your account immediately after the business enters the transaction, so you may have a reduced right to stop payment and may incur an overdraft if you do not have sufficient funds in your account to cover the amount of the check at the time you write the check or authorize the transaction. Since the check is not sent to us, we do not have a copy of your check. We list these electronic debits on your account statement. If the business uses your check to initiate an electronic debit at the point of sale, the business should give you notice of the conversion and return the voided check to you. You should treat the voided check with care because someone else who obtains possession of it could use the information to initiate additional debits against your account. Death or Incompetence‌ You agree to notify us promptly if any owner or authorized xxxxxx on your account dies or is declared incompetent by a court. Until we receive a notice of death or incompetency, we may act with respect to any account or service as if all owners, signers or other persons are alive and competent and we will not be liable for any actions or inactions taken on that basis. If you give us instructions regarding your account, and you or another owner of the account subsequently dies or is declared incompetent, we may act on the instructions unless we receive written notice of death or competency prior to honoring such instructions. When we receive a notice that an owner has died or been declared incompetent, we may place a hold on your account and refuse to accept deposits or permit withdrawals. We may hold any funds in your account until we know the identity of the successor. If a deposit including salary, pension, Social Security and Supplemental Security Income (SSI) – payable to deceased owner is credited to the account after the date the deceased owner died, we may debit the account for the deposit and return it to the payer. Demand Drafts and Remotely Created Checks‌ If you deposit a demand draft or remotely created check (an unsigned draft or preauthorized draft) into your account, you warrant and guarantee that the draft or remotely created check is authorized according to the terms on its face by the person(s) identified as the drawer. You agree to indemnify us from all loss, expense and liability related to a claim that such check or draft was not authorized by the persons on whose account it was drawn on Endorsements‌ You authorize us to supply any missing endorsements if items are made payable to you or your order and you have not endorsed them. You warrant that all endorsements on items deposited to your account are genuine. Endorsements must be placed only in the area so designated on the back of an Item. Facsimile Signatures‌ If you use any form of facsimile signature in connection with the Deposit Account, you agree to deliver a sample to us before you begin using it, and to execute and deliver agreements in a form we require. When you use a facsimile signature or other form of automated signature device in connection with the Deposit Account, you agree you shall have the sole responsibility for maintaining security of the facsimile signature or device by which it is affixed, and you shall bear the entire risk for unauthorized use thereof, whether or not you are negligent, except as may be required by law. You agree that no facsimile signature we have been authorized to honor may be considered a forgery or an unauthorized signature, and that such facsimile or automated signature shall be effective as your signature or endorsement, whether or not you have been negligent. You further agree to indemnify and hold us harmless from and against any and all loss, costs, damage, liability, or exposure (including reasonable attorneys' fees) you may suffer or incur as a result of the unlawful use, unauthorized use, or misuse by any person of any such facsimile or automated signature or the device by which it is affixed. Foreign Items and Foreign Currency‌ A foreign item is a check or other item in any currency (including United States dollars) that is drawn on a bank or branch located outside of the United States. A foreign currency is any currency other than United States dollars. Some foreign items are payable in United States dollars.

Scope of Your Consent. Your Consent applies only to your electronic receipt of Disclosures and legal documents in connection with the origination, closing and servicing of the Loan or deposit account. Your Consent does not apply to other transactions that you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using one of the Contacts described above. What records will you provide to me electronically? If you consent, you will receive electronic records that relate to our online banking services. These will include the following types of documents: o Your monthly account statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert youassert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have an option DoIhave anoption to regularly receive these records in nonreceivetheserecords innon-electronic form? After electronicform?After you provide your Consent, you may receive, without charge, a paper copy of any Disclosures that have been provided to you electronically by contacting us using one of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Fees herein for any costs associated with this service. If I consent to electronic Iconsent toelectronic records now, and change my mindmymind, what can I do and whatcan Idoand what are the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting paper statements and documents be provided to you. However, remember that the Online Banking Service does Services do not support paper-based communications. So the consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the Online Banking Service Services will end.

Scope of Your Consent. Your Consent applies only to your electronic receipt of Disclosures and legal documents in connection with the origination, closing and servicing of the Loan or deposit account. Your Consent does not apply to other transactions that you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using one of the Contacts described above. What records will you provide to me electronically? If you consent, you will receive electronic records that relate to our online banking services. These will include the following types of documents: o Your monthly account statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have an option DoIhave anoption to regularly receive these records in nonreceivetheserecords innon-electronic form? After electronicform?After you provide your Consent, you may receive, without charge, a paper copy of any Disclosures that have been provided to you electronically by contacting us using one of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records to you in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Fees herein for any costs associated with this service. If I consent to electronic Iconsent toelectronic records now, and change my mindmymind, what can I do and what are the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting paper statements and documents be provided to you. However, remember that the Online Banking Service does Services do not support paper-based communications. So the consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the Online Banking Service Services will end.

Scope of Your Consent. Your Consent applies only to Accepting this Agreement provides your consent for electronic delivery and receipt of Disclosures all Electronic Records and legal documents any other communications associated with transaction-related activities on your Account. If accepting this agreement via the Online Banking Services, your acceptance indicates your desire to discontinue paper statements on those Accounts currently configured within the Online Banking Services. Without your consent to this Agreement, we will not accept requests for international funds transfers ("Remittance Transfers Requests") via Online Banking Services, facsimile transmission or by electronic mail. If you do not consent to receive Electronic Records by electronic mail, the requests for Remittance Transfers Requests must be made in connection with the origination, closing and servicing of the Loan or deposit account. Your Consent does not apply to other transactions that you may wish to enter into with us. To Withdraw your Consent all you need to do is contact us using person at any one of the Contacts described aboveBank's branches. What records This consent will you provide apply to me electronically? If you consentall items that can be communicated via electronic means by the Bank. However not all communications, documents, disclosures and notices will be communicated via electronic means and these will therefore be provided via paper methods as required by law. Please read the rest of this document before accepting it. You understand that by clicking the “I Accept” button below or consenting to this Agreement by any other mean, you are agreeing that instead of receiving paper statements, notices, disclosures and applications each month (or other period), the Electronic Records will be available to view in the Online Banking Services and/or via email. You may access your Online Statements by logging into the Online Banking Services using your User ID and Password in your computer and/or mobile devices and selecting the appropriate menu options. We will maintain online access to each Electronic Record for a period of ninety (90) days from the date on which the Electronic Record is available in the Online Banking Services. Your consent to receive electronic records that relate to our online banking services. These will Electronic Records instead of paper statements and notices includes, but is not limited to: • Periodic disclosures or billing statements for your Account(s) or such other communications we may include the following types of documents: o Your monthly account statement, if applicable. (As part of the monthly account statement, you will receive information about your account). o Other periodic or special notices (error resolution notices if you assert your rights under the federal consumer protection laws and regulations). These include special notices that federal laws and regulations from time to time might require us to provide to you. o Privacy notices and disclosures. (These notices provide you with information about our privacy practices and policies). Do I have an option to regularly receive these records in non-electronic form? After you provide your Consent, you may receive, without charge, a paper copy of any Disclosures that have been provided to you electronically by contacting us using one as part of the Contacts described above. The Bank’s Online Banking Service has been designed and built to provide records to you enrollment in electronic form. To put it another way, the system is an electronic banking system and it does not have a paper-based alternative. Can I get a copy of the records in non-electronic form if a special need arises? At your request, we can prepare a paper- based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper- based copy, you can request it by contacting us. Please refer to the Schedule of Fees herein for any costs associated with this service. If I consent to electronic records now, and change my mind, what can I do and what are the consequences? You can change your mind, and withdraw your consent, at any time, and provide notification to us at the contact information above requesting paper statements and documents be provided to you. However, remember that the Online Banking Service does not support paperServices; • Posting on the Bank’s website of the notices and disclosures about the terms and agreements applicable to the services and the Accounts, including any amendment thereto; • Transfer-based communications. So Related Disclosures and Communications, whether the consequence to you, if you withdraw your consent to electronic records, is that your access to and your ability to use the transfers have been requested via Online Banking Service will endServices, facsimile transmission or by electronic mail; • All legal and regulatory disclosures and communications associated with the Account(s) or additional products and/or services available from the Bank; and • Privacy policies and notices.