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 above in Section 3. WITH YOUR ACCEPTANCE BELOW, 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:  Sending us a letter to P.O. Box 70, Somerset, KY 42502  Sending us a secure message through the Online Banking Service, or  By contacting us at this phone number: 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. If you enroll for e-statements and then later close your accounts with Cumberland Security Bank, your access to the Online banking Service will also be terminated. You may request paper copies of historical statements at the address listed above. 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 above in Section 3. WITH YOUR ACCEPTANCE BELOWBY SIGNING IN TO THE SERVICE, 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:  Sending us a letter to P.O. Box 70Farmers Bank and Trust Company, SomersetAttn: E-Services, XX XXX 000, Xxxxxx, KY 42502 42064-0151  Sending us a secure message through the Online Internet Banking Service, or  By contacting us at this phone number: 0-000-000-0000 XXXX (2265) If you send us a secure message through the Online Internet 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 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 Cumberland Security BankFarmers Bank and Trust Company, your access to the Online Internet banking Service will also be terminated. You may request paper copies of historical statements at 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. If you enroll for the Service in one of our office locations, we may 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,  statements • Deposit account disclosures,  disclosures • Notices regarding changes in account terms and fees,  fees • Privacy notices The equipment necessary for accessing these types of disclosures electronically is described above in Section 3. WITH YOUR ACCEPTANCE BELOW, 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:  Sending us a letter to P.O. Box 70000 Xxxx Xxx, SomersetXX Xxx 000, KY 42502  Xxxxxxxx XX 00000-0848 Sending us a secure message through the Online Banking Service, or  By contacting us at this phone number: (000-) 000-0000 or (800) 254- 6197 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. If you enroll for e-statements and then later close your accounts with Cumberland Security BankProfinium, your access to the Online banking Banking Service will also be terminated. You may request paper copies of historical statements at the address listed above. Fees will be charged in accordance with the fee schedule 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 written disclosures we may provide include:  ● Monthly account statements,  statements ● Deposit account disclosures,  disclosures ● Notices regarding changes in account terms and fees,  fees ● Privacy notices The equipment necessary for accessing these types of disclosures electronically in an electronic format and/or via electronic mail is described above in Section 31. WITH YOUR ACCEPTANCE BELOW, YOU AGREE TO ACCEPT THIS AGREEMENT AND OTHER ONLINE BANKING RELATED DISCLOSURES IN AN ELECTRONIC FORMAT. YOU ALSO AGREE TO RECEIVE ESTATEMENTS SUMMARIZING ACCOUNT ACTIVITY IN YOUR ELIGIBLE ACCOUNTS. YOU ALSO AGREE AND REPRESENT THAT YOU HAVE THE NECESSARY EQUIPMENT FOR ACCESSING THE ONLINE BANKING SERVICE SERVICES AND FOR VIEWING ELECTRONIC DISCLOSURES. If you consent to receive disclosures in an electronic disclosures format and/or via electronic mail 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:  ● Sending us a letter to P.O. Box 70Plumas Bank, Somerset00 X. Xxxxxx Ave. Quincy, KY 42502  CA 95971, ● Sending us a secure message through the Online Banking ServiceServices, or  ● By contacting us at this phone number: 0-000-000-0000 0000. If you send us a secure message through the Online Banking Service Services or write us a letter, please be sure to identify yourself and the applicable accounts. If you enroll for eeStatements and then later decide that you want to receive paper statements, you can “opt-out” of electronic delivery by contacting us at 0-000-000-0000. 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 eStatements and then later close your accounts with Cumberland Security Bank, your access to the Online banking Service Banking Services will also be terminated. You may request paper copies of historical statements at the address listed above. You should print or save a copy of all disclosures delivered electronically. Online banking Banking Services 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,  statements • Deposit account disclosures,  disclosures • Notices regarding changes in account terms and fees,  fees • Privacy notices The equipment necessary for accessing these types of disclosures electronically is described above in Section 3. WITH YOUR ACCEPTANCE BELOW, 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:  Sending us a letter to P.O. Box 70000 Xxxx Xxx, SomersetXX Xxx 000, KY 42502  Xxxxxxxx XX 00000-0000 Sending us a secure message through the Online Banking Service, or  By contacting us at this phone number: (000-) 000-0000 or (800) 254- 6197 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. If you enroll for e-statements and then later close your accounts with Cumberland Security BankProfinium, your access to the Online banking Banking Service will also be terminated. You may request paper copies of historical statements at the address listed above. Fees will be charged in accordance with the fee schedule 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 above in Section 3. 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:  • Sending us a letter to P.O. FirstBank Virgin Islands, PO Box 70309600, SomersetSt. Xxxxxx, KY 42502  Virgin Islands, 00803-9600, ATTN Client Support Services. • Sending us a secure message through the Online Internet Banking Service, or  • By contacting us at this phone number: 000(000)-000-000-0000 0000, Monday - Friday, 8:00 AM to 5:00PM Atlantic Standard Time If you send us a secure message through the Online Internet Banking Service or write us a letter, please be sure to identify yourself and the applicable accounts. If you enroll for e-statements and then later close your accounts with Cumberland Security Bank, your access to the Online banking Service will also be terminated. You may request paper copies of historical statements at 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 based on the fees listed below. If you enroll for the Service in one of chargeour office locations, we will send you a secure message and ask you to confirm your ability to access the Service and e-statements You can also opt-out of electronic only statements on the statements page within the Internet Banking Service. You can request paper copies of documents through the Internet Banking Service. • Checks deposited up to one year: $10 each. Older checks: $15 each. Account screen, $2.50 per screen. • Photocopies of a Money Order or Manager’s Check: $2.50 each • Record Search: $30 minimum per hour or part thereof. • Legal Process: $30 minimum charge for each legal process served on the bank and relating to a depositor or depositors account Additional fees for paper copies of account statements may be imposed depending on the type of account you have and/or the reason and frequency of your requests for paper copies. • Photocopies: Recent checks up to one year: $10 each. Older checks $15 each • Statements: Up to one year $7.50 each, older statements $10 each You may request an electronic copy of a bill payment check or laser draft for a fee of $6.00 for each item.

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 notices The equipment necessary for accessing these types of disclosures electronically is described above in Section 3and privacy notices. 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 BANKING SERVICE AND FOR VIEWING ELECTRONIC DISCLOSURES. If you consent to receive You may change the method of delivery at any time (e.g., from electronic disclosures and later change your mind, you may withdraw your consent and change format to paper delivery format. You can notify us of your intent to cancel electronic disclosures by:  Sending us a letter to P.O. Box 70, Somerset, KY 42502  Sending us a secure message through the Online Banking Service, or  By ) by contacting us through one of the following methods: • Telephone us at this phone number: (000-) 000-0000 If you during member service hours; • Or send us a secure message through the Online Banking Service or write us a letteran email at xxxxxxxxxxx@xxxxx.xxx In addition, please be sure to identify yourself and the applicable accounts. If you enroll for e-statements and then later close your accounts with Cumberland Security Bank, your access to the Online banking Service will also be terminated. You may can request paper copies of historical documents through the Service free of charge. Additional fees for paper copies of account statements at may be imposed depending on the address listed abovetype of account you have and/or the reason and frequency of your requests for paper copies. You should print or save a copy of all disclosures delivered electronically. Online banking customers ADDRESS, E-MAIL, OR PAYMENT ACCOUNT CHANGES When you enroll in the Service, we may request paper copies of disclosures such as send you a “Welcome” e-mail. We also may send you e-mails and/or secure messages through the Service regarding important Internet Banking and Bill Payment matters and/or changes to this Online Banking Agreement free of chargeAgreement. You must provide us your current e-mail address in order for us to deliver this information to you. It is your sole responsibility to ensure that your contact information is current and accurate. This includes, but is not limited to, name, address, phone numbers, and e-mail addresses. Changes can be made by selecting “Update Contact Information” under the “Customer Service” menu or by contacting our Electronic Services Department at (000) 000-0000.

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 notices The equipment necessary for accessing these types of disclosures electronically is described above in Section 3and privacy notices. 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 BANKING SERVICE AND FOR VIEWING ELECTRONIC DISCLOSURES. If you consent to receive You may change the method of delivery at any time (e.g., from electronic disclosures and later change your mind, you may withdraw your consent and change format to paper delivery format. You can notify us of your intent to cancel electronic disclosures by:  Sending us a letter to P.O. Box 70, Somerset, KY 42502  Sending us a secure message through the Online Banking Service, or  By ) by contacting us through one of the following methods: • Telephone us at this phone number: (000-) 000-0000 If you during member service hours; • Or send us a secure message through the Online Banking Service or write us a letteran email at xxxxxxxxxxx@xxxxx.xxx In addition, please be sure to identify yourself and the applicable accounts. If you enroll for e-statements and then later close your accounts with Cumberland Security Bank, your access to the Online banking Service will also be terminated. You may can request paper copies of historical documents through the Service free of charge. Additional fees for paper copies of account statements at may be imposed depending on the address listed abovetype of account you have and/or the reason and frequency of your requests for paper copies. You should print or save a copy of all disclosures delivered electronically. Online banking customers ADDRESS, E-MAIL, OR PAYMENT ACCOUNT CHANGES When you enroll in the Service, we may request paper copies of disclosures such as send you a "Welcome" e-mail. We also may send you e-mails and/or secure messages through the Service regarding important Internet Banking and Bill Payment matters and/or changes to this Online Banking Agreement free of chargeAgreement. You must provide us your current e-mail address in order for us to deliver this information to you. It is your sole responsibility to ensure that your contact information is current and accurate. This includes, but is not limited to, name, address, phone numbers, and e-mail addresses. Changes can be made by selecting "Update Contact Information" under the "Customer Service" menu or by contacting our Electronic Services Department at (000) 000-0000.