Common use of Notices to You Clause in Contracts

Notices to You. You agree that we may provide notice to you by posting it on the Site, sending you an in-product message within the Service, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided us, including but not limited to the mobile phone number that you have listed in your Service setup or customer profile. For example, users of the Service may receive certain notices (such as notices of processed Payment Instructions, alerts for validation and notices of receipt of payments) as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) Business Days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting us as described in Section 6 of the General Terms above. We reserve the right to charge you a reasonable fee not to exceed twenty dollars ($20.00) to respond to each such request. We reserve the right to terminate your use of the Service if you withdraw your consent to receive electronic communications. 8 Text Messages, Calls and/or Emails to You. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number and/or emails from us for our everyday business purposes (including identify verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us or our affiliates and agents. You further consent to receiving text messages from us at that number, and/or emails from us for marketing purposes in connection with the Service and consistent with our Privacy Policy. Please review our Privacy Policy for more information. 9 Receipts and Transaction History. You may view your transaction history by logging into the Service and looking at your transaction history. You agree to review your transactions by this method instead of receiving receipts by mail.

Notices to You. You agree that we may provide notice to you by posting it on the Site, sending you an in-product message within the Service, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided us, including but not limited to the mobile phone number that you have listed in your Service setup or customer profile. For example, users of the Service may receive certain notices (such as notices of processed Payment Instructions, alerts for validation and notices of receipt of payments) as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) Business Days business days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting us as described set forth in Section 6 of the General Terms contact us section above. We reserve the right to charge you a reasonable fee fee, not to exceed twenty dollars ($20.00) our standard research fee, to respond to each such request. We reserve the right to terminate your use of the Service if you withdraw your consent to receive electronic communications. 8 Text Messages, Calls and/or Emails to You. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number and/or emails e-mails from us for our everyday business purposes (including identify verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us or our affiliates and agents. You further consent to receiving text messages from us at that number, and/or emails from us for marketing purposes in connection with the Service and consistent with our Privacy Policy. Please review our Privacy Policy for more information. 9 Receipts and Transaction HistorySERVICE CANCELLATION, SUSPENSION, OR CHANGES In the event you wish to cancel any System Service, please contact customer service as set forth in the “Contact Us” section above. You may view your transaction history by logging into Any payment(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Payments including recurring payments will not be processed once the Service is cancelled. The Service may cancel or suspend Service to you at any time. Neither cancellation nor suspension shall affect your liability or obligations under this Agreement. It is your sole responsibility and looking at your transaction history. You you agree to review ensure that the contact information in your transactions user profile is current and accurate. This includes, but is not limited to, name, physical address, phone numbers and email addresses. Changes can be made within the user interface of the Service or by contacting customer service for the Service as set forth in the contact us section above. We are not responsible for any payment processing errors or fees incurred if you do not provide accurate Eligible Transaction Account, Payment Instructions or contact information. Any transfer(s) we have already processed before the requested cancellation date will be completed by us. ONLINE ACCESS Registration: GBC International Bank account customers can register in person at any bank location or online, by selecting the “Accept” button at the end of this method instead of receiving receipts by mail.Agreement, indicating your acceptance to these terms and conditions. To register online, you must provide the following:

Notices to You. You agree that we may provide notice to you by posting it on the Site, sending you an in-product message within the Account to Account Transfer Service, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided us, including but not limited to the mobile phone number that you have listed in your Account to Account Transfer Service setup or customer profile. For example, users of the Account to Account Transfer Service may receive certain notices (such as notices of processed Payment Transfer Instructions, alerts for validation and notices of receipt of paymentstransfers) as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) Business Days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting us as described in Section 6 of 12 (Notices to Us Regarding the General Terms Account to Account Transfer Service) above. We reserve the right to charge you a reasonable fee not to exceed twenty dollars ($20.00) to respond to each such request. We reserve the right to terminate your use of the Account to Account Transfer Service if you withdraw your consent to receive electronic communications. 8 Text Messages, Calls and/or Emails to You. You By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), and/or emails from us for our everyday business purposes (including identify identity verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system ATDS from us or our affiliates and agents. You further consent to receiving text messages from us at that number, and/or emails from us for marketing purposes in connection with the Service and consistent with our Privacy Policy. Please review our Privacy Policy for more information. 9 Receipts and Transaction History. History You may view your transaction history by logging into the Account to Account Transfer Service and looking at your transaction history. You agree to review your transactions by this method instead of receiving receipts by mail. Your Privacy; Privacy of Others Protecting your privacy is very important to us. Please review our Privacy Policy in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information. If you receive information about another person through the Account to Account Transfer Service, you agree to keep the information confidential and only use it in connection with the Account to Account Transfer Service.

Notices to You. You agree that we may provide notice to you by posting it on the Site, sending you an in-product message within the Service, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided us, including but not limited to the mobile phone number that you have listed in your Service setup or customer profile. For example, users of the Service may receive certain notices (such as notices of processed Payment Instructions, alerts for validation and notices of receipt of payments) as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) Business Days business days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting us as described set forth in Section 6 of the General Terms contact us section above. We reserve the right to charge you a reasonable fee fee, not to exceed twenty dollars ($20.00) our standard research fee, to respond to each such request. We reserve the right to terminate your use of the Service if you withdraw your consent to receive electronic communications. 8 Text Messages, Calls and/or Emails to You. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number and/or emails e-mails from us for our everyday business purposes (including identify verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us or our affiliates and agents. You further consent to receiving text messages from us at that number, and/or emails e-mails from us for marketing purposes in connection with the Service and consistent with our Privacy Policypurposes. Please review our Privacy Policy for more information. 9 Receipts and Transaction HistorySERVICE CANCELLATION, SUSPENSION, OR CHANGES In the event you wish to cancel any System Service, please contact customer service as set forth in the “Contact Us” section above. You may view your transaction history by logging into Any payment(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Payments including recurring payments will not be processed once the Service is cancelled. The Service may cancel or suspend Service to you at any time. Neither cancellation nor suspension shall affect your liability or obligations under this Agreement. It is your sole responsibility and looking at your transaction history. You you agree to review ensure that the contact information in your transactions user profile is current and accurate. This includes, but is not limited to, name, physical address, phone numbers and email addresses. Changes can be made within the user interface of the Service or by contacting customer service for the Service as set forth in the contact us section above. We are not responsible for any payment processing errors or fees incurred if you do not provide accurate Eligible Transaction Account, Payment Instructions or contact information. Any transfer(s) we have already processed before the requested cancellation date will be completed by us. ONLINE ACCESS Registration: Providence Bank account customers can register in person at any bank location or online, by selecting the “Accept” button at the end of this method instead of receiving receipts by mail.Agreement, indicating your acceptance to these terms and conditions. To register online, you must provide the following:

Notices to You. You agree that we may provide notice to you by posting it on the Site, sending you an in-product message within the Service, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided us, including but not limited to the mobile phone number that you have listed in your Service setup or customer profile. For example, users of the Service may receive certain notices (such as notices of processed Payment Instructions, alerts for validation and notices of receipt of payments) as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) Business Days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting us as described in Section 6 of the General Terms above. We reserve the right to charge you a reasonable fee not to exceed twenty dollars ($20.00) to respond to each such request. We reserve the right to terminate your use of the Service if you withdraw your consent to receive electronic communications. 8 Text Messages, Calls and/or Emails to You. You By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number and/or emails from us for our everyday business purposes (including identify verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us or our affiliates and agents. You further consent to receiving text messages from us at that number, and/or emails from us for marketing purposes in connection with the Service and consistent with our Privacy Policy. Please review our Privacy Policy for more information. 9 Receipts and Transaction History. History You may view your transaction history by logging into the Service and looking at your transaction history. You agree to review your transactions by this method instead of receiving receipts by mail. Your Privacy Protecting your privacy is very important to us. Please review our Privacy Policy in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information.

Notices to You. You agree that we may provide notice to you by posting it on the Site, sending you an in-in- product message within the Service, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided us, including but not limited to the mobile phone number that you have listed in your Service setup or customer profile. For example, users of the Service may receive certain notices (such as notices of processed Payment Instructions, alerts for validation and notices of receipt of payments) as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) Business Days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting us as described in Section 6 of the General Terms above. We reserve the right to charge you a reasonable fee not to exceed twenty dollars ($20.00) to respond to each such request. We reserve the right to terminate your use of the Service if you withdraw your consent to receive electronic communications. 8 Text Messages, Calls and/or Emails to You. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number and/or emails from us for our everyday business purposes (including identify verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us or our affiliates and agents. You further consent to receiving text messages from us at that number, and/or emails from us for marketing purposes in connection with the Service and consistent with our Privacy Policy. Please review our Privacy Policy for more information. 9 Receipts and Transaction History. You may view your transaction history by logging into the Service and looking at your transaction history. You agree to review your transactions by this method instead of receiving receipts by mail.

Notices to You. You agree that we may provide notice to you by posting it on the Site, sending you an in-product message within the Service, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided us, including but not limited to the mobile phone number that you have listed in your Service setup or customer profile. For example, users of the Service may receive certain notices (such as notices of processed Payment Instructions, alerts for validation and notices of receipt of payments) as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) Business Days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting us as described in Section 6 of the General Terms above. We reserve the right to charge you a reasonable fee not to exceed twenty dollars ($20.00) to respond to each such request. We reserve the right to terminate your use of the Service if you withdraw your consent to receive electronic communications. 8 Text Messages, Calls and/or Emails to You. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number number, INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM (“ATDS”), and/or emails from us for our everyday business purposes (including identify verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system ATDS from us or our affiliates and agents. You further consent to receiving text messages from us at that number, and/or emails from us for marketing purposes in connection with the Service and consistent with our Privacy Policy. Please review our Privacy Policy for more information. 9 Receipts and Transaction History. You may view your transaction history by logging into the Service and looking at your transaction history. You agree to review your transactions by this method instead of receiving receipts by mail.

Notices to You. You agree that we may provide notice to you by posting it on the Site, sending you an in-product message within the Service, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided us, including but not limited to the mobile phone number that you have listed in your Service setup or customer profile. For example, users of the Service may receive certain notices (such as notices of processed Payment Instructions, alerts for validation and notices of receipt of payments) as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) Business Days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting us as described in Section 6 of the General Terms above. We reserve the right to charge you a reasonable fee not to exceed twenty dollars ($20.00) to respond to each such request. We reserve the right to terminate your use of the Service if you withdraw your consent to receive electronic communications. 8 Text MessagesThe hardware and software requirements to electronically access and retain this Agreement and the notices referenced herein are as follows: you must use a computer or other electronic device with internet access that it is running a supported operating system and Internet web browser, Calls and/or Emails such as Firefox, Safari and Chrome, that has software to You. By providing us with a telephone number view and print portable document format (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number and/or emails from us for our everyday business purposes (including identify verification)“pdf”) documents. You acknowledge can print or save this Agreement or notices referenced herein by using the “print” or “file save” options on your internet browser. If there is a change in these hardware or software requirements that creates a material risk that you will not be able to electronically access or retain this Agreement or any subsequent changes, or the notices referenced herein, the we will notify you through email and/or by posting such changes on the Site. We reserve the right to change these hardware and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us or our affiliates and agents. You further consent to receiving text messages from us at that number, and/or emails from us for marketing purposes in connection with the Service and consistent with our Privacy Policy. Please review our Privacy Policy for more information. 9 Receipts and Transaction History. You may view your transaction history by logging into the Service and looking at your transaction history. You agree to review your transactions by this method instead of receiving receipts by mailsoftware requirements.

Notices to You. You agree that we may provide notice to you by posting it on the Site, sending you an in-product message within the Service, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided us, including but not limited to the mobile phone number that you have listed in your Service setup or customer profile. For example, users of the Service may receive certain notices (such as notices of processed Payment Instructions, alerts for validation and notices of receipt of payments) as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) Business Days business days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting us as described set forth in Section 6 of the General Terms contact us section above. We reserve the right to charge you a reasonable fee not to exceed twenty (20) dollars ($20.00) to respond to each such request. We reserve the right to terminate your use of the Service if you withdraw your consent to receive electronic communications. 8 Text Messages, Calls and/or Emails to You. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number and/or emails e-mails from us for our everyday business purposes (including identify verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us or our affiliates and agents. You further consent to receiving text messages from us at that number, and/or emails e-mails from us for marketing purposes in connection with the Service and consistent with our Privacy Policypurposes. Please review our Privacy Policy for more information. 9 Receipts and Transaction HistorySERVICE CANCELLATION, SUSPENSION, OR CHANGES In the event you wish to cancel any System Service, please contact customer service as set forth in the contact us section above. You may view your transaction history by logging into Any payment(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Payments including recurring payments will not be processed once the Service is cancelled. The Service may cancel or suspend Service to you at any time. Neither cancellation nor suspension shall affect your liability or obligations under this Agreement. It is your sole responsibility and looking at your transaction history. You you agree to review ensure that the contact information in your transactions user profile is current and accurate. This includes, but is not limited to, name, physical address, phone numbers and email addresses. Changes can be made within the user interface of the Service or by this method instead of receiving receipts contacting customer service for the Service as set forth in the contact us section above. We are not responsible for any payment processing errors or fees incurred if you do not provide accurate Eligible Transaction Account, Payment Instructions or contact information. Any transfer(s) we have already processed before the requested cancellation date will be completed by mail.us. ONLINE ACCESS

Notices to You. You agree that we may provide notice to you by posting it on the Site, sending you an in-product message within the Service, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided us, including but not limited to the mobile phone number that you have listed in your Service setup or customer member profile. For example, users of the Service may receive certain notices (such as notices of processed Payment Instructions, alerts for validation and notices of receipt of payments) as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) Business Days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting us as described in Section 6 of the General Terms above. We reserve the right to charge you a reasonable fee not to exceed twenty dollars ($20.00) to respond to each such request. We reserve the right to terminate your use of the Service if you withdraw your consent to receive electronic communications. 8 Text Messages, Calls and/or Emails to You. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number and/or emails from us for our everyday business purposes (including identify verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us or our affiliates and agents. You further consent to receiving text messages from us at that number, and/or emails from us for marketing purposes in connection with the Service and consistent with our Privacy Policy. Please review our Privacy Policy for more information. 9 Receipts and Transaction History. You may view your transaction history by logging into the Service and looking at your transaction history. You agree to review your transactions by this method instead of receiving receipts by mail.

Notices to You. We may provide future notices and other communications (collectively, "communication(s)") by electronic message to your external email address or via the internal messaging function in BOB Advantage; electronically by posting the communication (or posting a link to the communication) on the BOB Advantage log-in page or on a separate web page that a User must click- through to access BOB Advantage; by personal delivery; or by facsimile, regular mail or overnight courier service. You consent to receive communications by these methods. You may download or print electronic communications from a computer if the computer has the hardware and software referenced above and published on our website. We will send, post, or email communications prior to their effective date when required by law or regulation. Communications are effective on the effective date stated in the communication or, if no effective date is stated, on the date sent, posted, or e-mailed. Your use of XXX Xxxxxxxxx after the effective date of any communication means that you have accepted the communication. Notice to any co-owner or other authorized representative of the company is considered effective notice to all co- owners/representatives. A notice that alerts you to the availability of a communication on an Internet web site, in lieu of sending you the entire communication, is deemed sufficient notice of the communication. YOU AGREE THAT WE MAY SEND YOU ELECTRONIC MESSAGES ABOUT PRODUCTS OR SERVICES WE OFFER (INCLUDING ADVERTISEMENTS), although you may opt-out from email advertising by following the instructions in the email advertisement or by contacting us at the address under "Notices to Us" with a written request to opt- out of email advertising. We will not ask you via external email to provide us with your business or personal information or your Access Codes. Further, we will not ask you via an unsecured website space (i.e., before you have logged-in to BOB Advantage with your Access Codes) to provide personal information. Due to "phishing" concerns, we recommend that you do not link to website addresses provided in a link in an external email message. For more information about phishing, see the information available at xxxx://xxx.xxx.xxx/consumer/phishing.htm. It is important that you provide us with your current external email and U.S. mail addresses and that you update us immediately with any changes. You agree that we may provide notice send notices and other communications, including Access Code confirmations, to the current address shown in our records, whether or not that address includes a designation for delivery to the attention of any particular individual. You also agree that we will not be liable or obligated to you in any way if information is intercepted by posting an unauthorized person after it on the Siteleaves our exclusive control, sending whether in transit or at your place of business. We may ask you an in-product message within the Service, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it designate one person as a text message to any mobile phone number that you have provided us, including but not limited to the mobile phone number that you have listed in your Service setup or customer profile. For example, users of the Service may receive certain notices (such as notices of processed Payment Instructions, alerts our main contact for validation and notices of receipt of payments) as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) Business Days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent information relating to receive required disclosures through electronic communications by contacting us as described in Section 6 of the General Terms above. We reserve the right to charge you a reasonable fee not to exceed twenty dollars ($20.00) to respond to each such request. We reserve the right to terminate your use of the Service if you withdraw your consent to receive electronic communications. 8 Text Messages, Calls and/or Emails to You. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number and/or emails from us for our everyday business purposes (including identify verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us or our affiliates and agents. You further consent to receiving text messages from us at that number, and/or emails from us for marketing purposes in connection with the Service and consistent with our Privacy Policy. Please review our Privacy Policy for more information. 9 Receipts and Transaction History. You may view your transaction history by logging into the Service and looking at your transaction historyXXX Xxxxxxxxx. You agree to review that your transactions by this method instead electronic consent/acceptance or entry of receiving receipts by mailinformation is legally binding on you and enforceable against you and is the legal equivalent of your handwritten signature.

Notices to You. You agree that we RFCU may provide notice to you by posting it on the SiteCredit Union’s website or the Service, by sending you an in-product message within the Service, emailing it to an email address that you have provided uspreviously, mailing it to any postal address that you have provided usprovide, or by sending it as a text message to any mobile phone number that you have provided usprovided, including but not limited to the mobile phone number that you have listed in your Service setup or customer profile. For example, users of the Service may receive certain notices (such as notices of processed Payment Instructions, alerts for validation and notices of receipt of payments) as text messages mes- sages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) Business Days business days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting us as described RFCU in Section 6 of the General Terms abovewriting. We reserve RFCU reserves the right to charge you a reasonable fee not to exceed twenty dollars ($20.00) to respond to each such request. We reserve RFCU reserves the right to terminate your use of the Service if you withdraw your consent to receive electronic communications. 8 Text MessagesBy giving us your telephone number, Calls and/or Emails you are affirming that you have the right to You. By providing us with a telephone number (provide consent for Redstone Federal Credit Union and any related affiliates/third parties to contact you on the mobile phone number, including a wireless/cellular, mobile residential number. You agree to contact via automated telephone number and/or email addressdialing (auto dialer), you consent to receiving calls from us and our Service Providers at that number and/or emails from us for our everyday business purposes (including identify verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, text messages or prerecorded or artificial voice messages for any reason, except marketing and understand your mobile provider may assess message calls, text messages, and or data rates. You may revoke this consent for calls (except calls made for emergency purposes) at any time by an automatic telephone dialing system from us or our affiliates and agents. You further consent to receiving text messages from 1) sending written notification to: Redstone Federal Credit Union, ATTN: Member Support Services, 000 Xxxx Xxxxx, Huntsville, Alabama 35893; 2) calling the Credit Union at 000- 000-0000; 3) emailing us at that number, and/or emails from us for marketing purposes in connection with the Service and consistent with our Privacy Policyxxxx@xxxxxx.xxx; or 4) by visiting a branch near you. Please review our Privacy Policy for more information. 9 Receipts rev. June 2015 WHAT DOES REDSTONE FEDERAL CREDIT UNION® DO WITH YOUR PERSONAL INFORMATION? FACTS Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and Transaction Historyprotect your personal information. You may view Please read this notice carefully to understand what we do. Why? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number and income • Payment history and credit card and other debt • Credit history and checking account information When you are no longer our member, we continue to share your transaction history by logging into information as described in this notice. What? All financial companies need to share members’ personal information to run their everyday business. In the Service section below, we list the reasons financial companies can share their members’ personal information; the reasons Redstone Federal Credit Union chooses to share; and looking at whether you can limit this sharing. How? Reasons we can share your transaction history. You agree personal information Does Redstone Federal Credit Union share? Can you limit this sharing? For our everyday business purposes – such as to review process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes – to offer our products and services to you Yes No For joint marketing with other financial companies Yes No For our affiliates’ everyday business purposes – information about your transactions and experiences Yes No For our affiliates’ everyday business purposes – information about your creditworthiness No We don’t share For our affiliates to market to you No We don't share For nonaffiliates to market to you No We don’t share Call toll-free 0-000-000-0000 or go to xxx.xxxxxx.xxx Questions? Who we are Who is providing this notice? Redstone Federal Credit Union What we do How does Redstone Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does Redstone Federal Credit Union collect my personal information? We collect your personal information, for example, when you • apply for a loan or open an account • pay your bills or use your debit or credit card • make deposits and withdrawals from your account We also collect your personal information from others such as credit bureaus, affiliates or other companies Why can’t I limit all sharing? Federal law gives you the right to limit only • sharing for affiliates’ everyday business purposes – information about your creditworthiness • affiliates from using your information to market to you • sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. Definitions Affiliates Companies related by this method instead of receiving receipts common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with Redstone in their name; financial companies such as Redstone Services Group℠, LLC, Redstone Services Group, LLC DBA Redstone Insurance Services℠; and Redstone Title Services, LLC and nonfinancial companies such as Redstone Consulting Group, LLC. Nonaffiliates Companies not related by mailcommon ownership or control. They can be financial and nonfinancial companies. • Redstone Federal Credit Union does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include insurance providers and online financial service providers. REMOTE DEPOSIT CAPTURE SERVICES DISCLOSURE AND AGREEMENT You must be a member for at least 90 days to qualify for Remote Deposit Cap- ture.

Notices to You. You agree that we may provide notice to you by posting it on the Site, sending you an in-product message within the Service, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided us, including but not limited to the mobile phone number that you have listed in your Service setup or customer profile. For example, users of the Service may receive certain notices or alerts (such as notices of processed Payment Instructions, alerts for validation and notices of receipt of payments) as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) Business Days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting us as described in Section 6 of the General Terms above. We reserve the right to charge you a reasonable fee not to exceed twenty dollars ($20.00) to respond to each such request. We reserve the right to terminate your use of the Service if you withdraw your consent to receive electronic communications. 8 Text MessagesThe hardware and software requirements to electronically access and retain this Agreement and the notices referenced herein are as follows: you must use a computer or other electronic device with internet access that it is running a supported operating system and Internet web browser, Calls and/or Emails such as Firefox, Safari and Chrome, that has software to You. By providing us with a telephone number view and print portable document format (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number and/or emails from us for our everyday business purposes (including identify verification)“pdf”) documents. You acknowledge can print or save this Agreement or notices referenced herein by using the “print” or “file save” options on your internet browser. If there is a change in these hardware or software requirements that creates a material risk that you will not be able to electronically access or retain this Agreement or any subsequent changes, or the notices referenced herein, we will notify you through email and/or by posting such changes on the Site. We reserve the right to change these hardware and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us or our affiliates and agents. You further consent to receiving text messages from us at that number, and/or emails from us for marketing purposes in connection with the Service and consistent with our Privacy Policy. Please review our Privacy Policy for more information. 9 Receipts and Transaction History. You may view your transaction history by logging into the Service and looking at your transaction history. You agree to review your transactions by this method instead of receiving receipts by mailsoftware requirements.

Notices to You. You agree that we RFCU may provide notice to you by posting it on the SiteCredit Union's website or the Service, by sending you an in-product message within the Service, emailing it to an email address that you have provided uspreviously, mailing it to any postal address that you have provided usprovide, or by sending it as a text message to any mobile phone number that you have provided usprovided, including but not limited to the mobile phone number that you have listed in your Service setup or customer profile. For example, users of the Service may receive certain notices (such as notices of processed Payment Instructions, alerts for validation and notices of receipt of payments) as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) Business Days business days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting us as described RFCU in Section 6 of the General Terms abovewriting. We reserve RFCU reserves the right to charge you a reasonable fee not to exceed twenty dollars ($20.00) to respond to each such request. We reserve RFCU reserves the right to terminate your use of the Service if you withdraw your consent to receive electronic communications. 8 Text Messages, Calls and/or Emails to You. By providing us RFCU with a telephone number (including a wireless/cellular, mobile telephone number number) and/or email address), you consent to receiving calls and text messages from us and RFCU or our Service Providers third-party business partners at that number and/or number, and emails from us for our everyday business purposes (including identify identity verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us or our affiliates and agents. You further consent to receiving text messages from us at that number, and/or and emails from us for marketing purposes in connection with the Service and consistent with our Privacy Policypurposes. Please review our Privacy Policy for more information. 9 Receipts and Transaction HistoryREMOTE DEPOSIT CAPTURE SERVICES DISCLOSURE AND AGREEMENT Remote Deposit Capture is only available via a mobile device for consumer accounts. You may view your transaction history by logging into the Service and looking at your transaction historymust be 13 years of age to qualify for Remote Deposit Capture. You agree must be a member for at least 90 days to review qualify for Remote Deposit Capture. Additional qualification times apply for members with a Safeguard and Gateway Checking Accounts In this Disclosure and Agreement, the words "I," "me," "my," "us" and "our" mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Software and/or Services (the "Services"), provided by Vertifi Software LLC described in this Disclosure and Agreement. The words "you," "your," and "yours" mean Redstone Federal Credit Union. My Application for use of the Remote Deposit Capture Services, your transactions by notification of approval of my Application, and my Redstone Federal Credit Union Account and Electronic Services Agreement and its accompanying Account Rate Sheet and Fee Schedule are hereby incorporated into and made a part of this method instead Disclosure and Agreement. In the event of receiving receipts by maila discrepancy between this Disclosure and Agreement and my Application, your approval, or the Account and Electronic Services Agreement, this Disclosure and Agreement will control.

Notices to You. We may provide future notices and other communications (collectively, "communication(s)") by electronic message to your external email address or via the internal messaging function in BOB Advantage; electronically by posting the communication (or posting a link to the communication) on the BOB Advantage log-in page or on a separate web page that a User must click- through to access BOB Advantage; by personal delivery; or by facsimile, regular mail or overnight courier service. You consent to receive communications by these methods. You may download or print electronic communications from a computer if the computer has the hardware and software referenced above and published on our website. We will send, post, or email communications prior to their effective date when required by law or regulation. Communications are effective on the effective date stated in the communication or, if no effective date is stated, on the date sent, posted, or e-mailed. Your use of XXX Xxxxxxxxx after the effective date of any communication means that you have accepted the communication. Notice to any co-owner or other authorized representative of the company is considered effective notice to all co- owners/representatives. A notice that alerts you to the availability of a communication on an Internet web site, in lieu of sending you the entire communication, is deemed sufficient notice of the communication. YOU AGREE THAT WE MAY SEND YOU ELECTRONIC MESSAGES ABOUT PRODUCTS OR SERVICES WE OFFER (INCLUDING ADVERTISEMENTS), although you may opt-out from email advertising by following the instructions in the email advertisement or by contacting us at the address under "Notices to Us" with a written request to opt-out of email advertising. We will not ask you via external email to provide us with your business or personal information or your Access Codes. Further, we will not ask you via an unsecured website space (i.e., before you have logged-in to BOB Advantage with your Access Codes) to provide personal information. Due to "phishing" concerns, we recommend that you do not link to website addresses provided in a link in an external email message. For more information about phishing, see the information available at xxxx://xxx.xxx.xxx/consumer/phishing.htm. It is important that you provide us with your current external email and U.S. mail addresses and that you update us immediately with any changes. You agree that we may provide notice send notices and other communications, including Access Code confirmations, to the current address shown in our records, whether or not that address includes a designation for delivery to the attention of any particular individual. You also agree that we will not be liable or obligated to you in any way if information is intercepted by posting an unauthorized person after it on the Siteleaves our exclusive control, sending whether in transit or at your place of business. We may ask you an in-product message within the Service, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it designate one person as a text message to any mobile phone number that you have provided us, including but not limited to the mobile phone number that you have listed in your Service setup or customer profile. For example, users of the Service may receive certain notices (such as notices of processed Payment Instructions, alerts our main contact for validation and notices of receipt of payments) as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) Business Days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent information relating to receive required disclosures through electronic communications by contacting us as described in Section 6 of the General Terms above. We reserve the right to charge you a reasonable fee not to exceed twenty dollars ($20.00) to respond to each such request. We reserve the right to terminate your use of the Service if you withdraw your consent to receive electronic communications. 8 Text Messages, Calls and/or Emails to You. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number and/or emails from us for our everyday business purposes (including identify verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us or our affiliates and agents. You further consent to receiving text messages from us at that number, and/or emails from us for marketing purposes in connection with the Service and consistent with our Privacy Policy. Please review our Privacy Policy for more information. 9 Receipts and Transaction History. You may view your transaction history by logging into the Service and looking at your transaction historyXXX Xxxxxxxxx. You agree to review that your transactions by this method instead electronic consent/acceptance or entry of receiving receipts by mailinformation is legally binding on you and enforceable against you and is the legal equivalent of your handwritten signature.