E-SIGN Act Disclosure and Consent

Please read this Federal Electronic Signatures in Global and National Commerce Act (“E-Sign”) Disclosure and Consent carefully and keep a copy for your records. Before opening your account electronically, you must acknowledge your acceptance of the terms outlined below. You can record your consent to the E-Sign Disclosure by placing a checkmark in the box on the webpage.

By checking the boxes on the website you consent to the electronic delivery of the disclosures, agreements, change notices, terms and conditions, instructions, and any other documents. Your consent applies to all transactions relating to any service, product or facility offered on or through that you agree to obtain electronically. You agree that you will be able to review these documents online, in addition to downloading and/or printing them. You also agree that we do not need to provide you with additional paper (non-electronic) copies of the disclosures, agreements, change notices, terms and conditions, instructions and any other documents, unless specifically requested. Any requests for paper (non-electronic) copies may result in a fee.

Electronic Delivery of Disclosures and Notices

In order to use the Remittance Facilities and to access, receive, and retain the disclosures, agreements, change notices, terms and conditions, instructions, and any other documents, you must provide, at your own expense, an Internet connected device that is compatible with this financial institution’s Remittance Facilities deployed at the time of access. Your device must meet the minimum requirements outlined below. You also confirm that your device will meet these specifications and requirements and will permit you to access and retain the disclosures, agreements, change notices, terms and conditions, instructions, and any other documents electronically each time you access and use the Remittance Facilities.

Please click on the HTML links to review the disclosures prior to continuing with your registration. In order to retain a copy, you may print the documents by selecting “Download”. Select your printer and click OK or select Save to retain a copy on your PC If you are working on a public computer, you should not engage in online registration.

If you do not want to receive the disclosures, agreements, change notices, terms and conditions, instructions, and any other documents electronically, you should exit this area of our website. If you do not consent to receiving these documents electronically, you will not be able to register for or use the Remittance Facilities via our website.

System Requirements to Access Information

To receive an electronic copy of the disclosures, agreements, change notices, terms and conditions, instructions and any other documents, you must have the following equipment and software:

• An Internet web browser which is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 (available for downloading at http://www.microsoft.com/windows/ie/downloads/default.asp ) and your system or device must have 128-bit SSL encryption software. Your access to this page verifies that your browser and encryption software/device meets these requirements
• You must have software which permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 8.0 and above (available for downloading at http://www.adobe.com/products/acrobat/readstep2.html ). Your access to this page verifies that your browser and encryption software/device meets these requirements.

Withdrawal of Electronic Acceptance of Disclosures and Notices

You may withdraw your consent to receive disclosures, agreements, change notices, terms and conditions, instructions and any other documents in electronic form for any of your Accounts by contacting us by using the contact information located on our website.

We may treat your provision of an invalid email address or the subsequent malfunction of a previously valid address or cancellation of participation in our Remittance Facilities as a withdrawal of your consent to the electronic delivery of the disclosures, agreements, change notices, terms and conditions, instructions and any other documents.

Any withdrawal of your consent will be effective only after we have a reasonable period of time to process your withdrawal. In electing not to receive disclosures, agreements, change notices, terms and conditions, instructions and any other documents electronically, you may be charged a fee or no longer be able to use the Remittance Facilities via our website.

How to Update Your Records

It is your responsibility to provide us with true, accurate, and complete email address, contact, and other information related to this Disclosure and your account(s), and to maintain and update promptly any changes in this information. You can update such information (such as your email address) by contacting us using the contact information on our website.

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