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 INTERNET BANKING RELATED DISCLOSURES IN AN ELECTRONIC FORMAT. YOU ALSO AGREE AND REPRESENT THAT YOU HAVE THE NECESSARY EQUIPMENT FOR ACCESSING THE INTERNET BANKING SERVICE AND FOR VIEWING ELECTRONIC DISCLOSURES. If you consent to receive electronic disclosures and later change your mind, you may withdraw your consent and change to paper delivery format. You can notify us of your intent to cancel electronic disclosures by: • Sending us a letter to 0000 Xxxxx Xxxxxxxx Xxxxx, Xxxx Xxxx Xxxx, XX 00000 • Sending us a secure message through the Internet Banking Service, or • By contacting us at this phone number: (000) 000-0000 If you send us a secure message through the 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 you 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 Brighton Bank, your access to the Internet Banking Service(s) will also be terminated. You may request paper copies of historical statements at the address listed above. If you enroll for e-statements and then close an account with Brighton Bank, you will be given access to view the history up to the end of the year the account was closed. Thereafter, you may request paper copies of historical statements at the address listed above. Copy fees may apply. You should print or save a copy of all disclosures delivered electronically. Internet banking customers may request paper copies of disclosures such as this Internet Banking agreement free of charge.

Electronic Disclosures. We You agree that we may deliver make available exclusively via our Web Site all disclosures required by law and other communications regarding the Services that may be permissibly given electronically (the “Statements and Documents”), and that we may discontinue sending these Statements and Documents to you in paper form except as provided below. These Statements and Documents include, but are not limited to, the following: • All amendments to this agreement Agreement • All Service Addenda, Supplemental Addenda for Supplemental Services, and all amendments to such Service Addenda and Supplemental Addenda • Notices with respect to any changes to this Agreement, any Service Addendum or any Supplemental Addenda, or any changes in terms of your deposit, credit card or other loan Accounts designated by you now or in the future to be accessed using any Service • All legal and regulatory disclosures and communications associated with or provided through any Service for any Account designated by you now or in the future to be accessed using any Service • All notices that we are required by law to provide to you in an electronic format. Other disclosures may include: for any purpose and at any time • Monthly account All periodic statements (including combined 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 INTERNET BANKING RELATED DISCLOSURES IN AN ELECTRONIC FORMAT. YOU ALSO AGREE AND REPRESENT THAT YOU HAVE THE NECESSARY EQUIPMENT FOR ACCESSING THE INTERNET BANKING SERVICE AND FOR VIEWING ELECTRONIC DISCLOSURES. If you consent to receive electronic disclosures and later change your mind, you may withdraw your consent and change to paper delivery format. You can notify us any of your intent deposit Accounts designated by you now or in the future to cancel electronic disclosures by: be accessed using any Service • Sending All periodic statements for any of your loan or line of credit Accounts designated by you now or in the future to be accessed using any Service • All Account Analysis statements for any Account designated by you now or in the future to be accessed using any Service • All other notices or communications delivered by us a letter to 0000 Xxxxx Xxxxxxxx Xxxxx, Xxxx Xxxx Xxxx, XX 00000 you under this Agreement • Sending us a secure message through All notices relating to overdrafts or insufficient balances for your deposit Accounts designated by you now or in the Internet future to be accessed using any Service • All notices relating to our Overdraft Privilege service relating to Accounts designated by you now or in the future to be accessed using any Service • All notices relating to corrections to your deposits or balances for any Account designated by you now or in the future to be accessed using any Service • All communications relating to any error inquiries or unauthorized transaction inquiries you make regarding your Accounts • Our Privacy Policy You may access the Business Banking Service, or • By contacting us at this phone number: (000) 000-0000 If you send us a secure message through the Internet Banking Service or write us a letter, please be sure Center to identify yourself and the applicable accounts. As part designate which of the enrollment process, we may ask if foregoing Statements and Documents you want to receive electronic only versions of your account statements (e-statements)be delivered electronically. If We also may, in our sole discretion, choose to send 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 you opt-out request is processed, you will begin receiving paper copies of account statements any Statements and additional charges may applyDocuments even though we could have made those Statements and Documents available to you electronically. If you enroll for e-statements All Statements and then later close your accounts with Brighton Bank, your access Documents in either electronic or paper format from us to the Internet Banking Service(s) will also be terminated. You may request paper copies of historical statements at the address listed above. If you enroll for e-statements and then close an account with Brighton Bank, you will be given access considered to view the history up to the end be “in writing” for legal purposes and purposes of the year the account was closed. Thereafter, you may request paper copies of historical statements at the address listed above. Copy fees may applythis Agreement. You should print or save download for your records a copy of all disclosures delivered electronically. Internet banking customers may request paper copies of disclosures such as this Internet Banking agreement free of chargeAgreement and any other Communication that is important to you.

Electronic Disclosures. We may deliver amendments to this agreement 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 INTERNET ONLINE BANKING RELATED DISCLOSURES IN AN ELECTRONIC FORMAT. YOU ALSO AGREE AND REPRESENT THAT YOU HAVE THE NECESSARY EQUIPMENT FOR ACCESSING THE INTERNET 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 0000 Xxxxx Xxxxxxxx Xxxxx, 000 Xxxx Xxxx XxxxXxx, XX 00000 • Xxx 000, Xxxxxxxx XX 00000- 0848 Sending us a secure message through the Internet Online Banking Service, or • By by contacting us at this phone number: (000) 000-0000 or (000) 0000000 If you send us a secure message through the Internet 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 Internet Online Banking Service. After you your opt-out request is processed, you will begin receiving paper copies of account statements and additional charges may applystatements. If you enroll for e-e- statements and then later close your accounts with Brighton BankProfinium, your access to the Internet Online Banking Service(s) Service will also be terminated. You may request paper copies of historical statements at the address listed above. If you enroll for e-statements and then close an account with Brighton Bank, you Fees will be given access to view charged in accordance with the history up to fee schedule in place at the end time of the year the account was closed. Thereafter, you may request paper copies of historical statements at the address listed above. Copy fees may applyrequest. You should print or save a copy of all disclosures delivered electronically. Internet banking Online Banking customers may request paper copies of disclosures such as this Internet Online Banking agreement Agreement free of charge.

Electronic Disclosures. We may deliver amendments In order to this agreement use our online banking services you must accept electronic delivery of the following documents and other disclosures any future changes to you in an electronic format. Other disclosures may includethose documents: • Monthly account statements, Online Banking and Bill Pay Agreement • Deposit account disclosures, All Product and Service Disclosures • Periodic Statements • History and Transaction Records • Notices • Privacy Policy • Notices regarding changes in account terms and fees, fees • Privacy notices Adverse Action Notices • Changes to Minimum Hardware and Software Requirements The equipment necessary for accessing these types of disclosures electronically is described above in Section 34. WITH YOUR ACCEPTANCE BELOW, YOU AGREE TO ACCEPT THIS AGREEMENT AND OTHER INTERNET ONLINE BANKING RELATED DISCLOSURES IN AN ELECTRONIC FORMAT. YOU AGREE TO KEEP YOUR E-MAIL ADDRESS AND ACCOUNT INFORMATION CURRENT AT ALL TIMES AND TO NOTIFY US IMMEDIATELY IF IT CHANGES. IF YOU FAIL TO UPDATE OR CORRECT YOUR E-MAIL ADDRESS TAB MAY FREEZE YOUR ACCOUNT UNTIL YOU CONTACT US AND PROVIDE CORRECTED INFORMATION. YOU ALSO AGREE AND REPRESENT THAT YOU HAVE THE NECESSARY EQUIPMENT FOR ACCESSING THE INTERNET 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 us at: TAB Bank, Attn: Account Maintenance Dept., 0000 Xxxxx Xxxxxxxx Xxxxx, Xxxx Xxxx Xxxx, XX 00000 • Sending us a secure message through the Internet Banking ServiceOgden, UT 84403, or • By contacting us at this phone number: (000) -000-0000 If you send us a secure message through the Internet Banking Service or write us a letter, please be sure to identify yourself and the applicable accounts. 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. As part of the enrollment process, we may ask if you want to receive electronic only versions of your account statements (e-statementsestatements). 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 Online Banking Service. After you your opt-out request is processed, you will begin receiving paper copies of account statements and additional charges may apply. During anytime you are enrolled to receive e- statements, you may also request a paper copy of historical statements at the address listed above. See fee schedule for applicable charges. If you enroll for e-statements and then later close your accounts with Brighton TAB Bank, your access to the Internet Online Banking Service(s) Service will also be terminated. You may request paper copies of historical statements at the address listed above. If you enroll for e-statements and then close an account with Brighton Bank, you will be given access to view the history up to the end of the year the account was closed. Thereafter, you may request paper copies of historical statements at the address listed above. Copy fees may apply. You should print or save a copy of all disclosures delivered electronically. Internet banking customers may request paper copies of disclosures such as this Internet Banking agreement free of charge.

Electronic Disclosures. We may deliver amendments You agree that we reserve the right to this agreement make available all disclosures required by law and other disclosures communications regarding the Services that may be permissibly given electronically (the “Statements and Documents”) exclusively via Synovus Gateway or other applicable Web Site for the Service, and that we may discontinue sending these Statements and Documents to you in an electronic formatpaper form. 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 INTERNET BANKING RELATED DISCLOSURES IN AN ELECTRONIC FORMAT. YOU ALSO AGREE AND REPRESENT THAT YOU HAVE THE NECESSARY EQUIPMENT FOR ACCESSING THE INTERNET BANKING SERVICE AND FOR VIEWING ELECTRONIC DISCLOSURES. If you consent to receive electronic disclosures and later change your mind, Currently you may withdraw your consent and change to select paper delivery format. You can notify us of your intent to cancel electronic disclosures by: • Sending us a letter to 0000 Xxxxx Xxxxxxxx Xxxxx, Xxxx Xxxx Xxxx, XX 00000 • Sending us a secure message through the Internet Banking Service, or • By contacting us at this phone number: (000) 000-0000 If you send us a secure message through the 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 for certain Statements and Documents on the “Statements” page within the Internet Banking ServiceSynovus Gateway. After We also may, in our sole discretion, choose to send you opt-out request is processed, you will begin receiving paper copies of account statements any Statements and additional charges may applyDocuments even though we could have made those Statements and Documents available to you electronically. If All Statements and Documents we deliver to you enroll for e-statements and then later close your accounts with Brighton Bank, your access in either electronic or paper format from us to the Internet Banking Service(s) will also be terminated. You may request paper copies of historical statements at the address listed above. If you enroll for e-statements and then close an account with Brighton Bank, you will be given access considered to view the history up to the end be delivery “in writing” for legal purposes and for purposes of the year the account was closed. Thereafter, you may request paper copies of historical statements at the address listed above. Copy fees may applythis Agreement. You should print or save download for your records a copy of this Agreement and any of the other Statements and Documents that is important to you. Statements and Documents include, but are not limited to, the following: • All amendments to this Agreement • All Service Addenda, Supplemental Addenda for Supplemental Services, and all amendments to such Service Addenda and Supplemental Addenda • Notices with respect to any changes to this Agreement, any Service Addendum or any Supplemental Addenda, or any changes in terms of your deposit, credit card or other loan Accounts designated by you now or in the future to be accessed using any Service • All legal and regulatory disclosures and communications associated with or provided through any Service for any Account designated by you now or in the future to be accessed using any Service • All notices that we are required by law to provide to you for any purpose and at any time • All periodic statements (including combined statements) for any of your Deposit Accounts designated by you now or in the future to be accessed using any Service • All periodic statements for any of your loan or line of credit Accounts designated by you now or in the future to be accessed using any Service • All Account Analysis statements for any Account designated by you now or in the future to be accessed using any Service • All other notices or communications delivered electronically. Internet banking customers may request paper copies of disclosures such as by us to you under this Internet Banking agreement free of charge.Agreement • All notices relating to overdrafts or insufficient balances for your Deposit Accounts designated by you now or in the future to be accessed using any Service • All notices relating to our Overdraft Privilege service relating to Accounts designated by you now or in the future to be accessed using any Service • All notices relating to corrections to your deposits or balances for any Account designated by you now or in the future to be accessed using any Service • All communications relating to any error inquiries or unauthorized transaction inquiries you make regarding your Accounts • Our Privacy Policy