Internet Banking Disclosure and Agreement

AGREEMENT & DISCLOSURE TO RECEIVE ELECTRONIC DISCLOSURES & COMMUNICATIONS

By continuing with this online application process, you agree that we may provide you this Agreement & Disclosure and any revisions and amendments to this Agreement & Disclosure in electronic form; and that, if you choose to accept the Agreement & Disclosure, you are consenting to enter into and are entering into an Agreement electronically that will govern all future transactions you conduct using Online and Mobile Banking and agree to be bound by its terms. Online and Mobile Banking includes but is not limited to any online banking services and transfers, bill payment services, mobile banking using a mobile or handheld device, and any remote deposit capture services.

By selecting the “I Agree” button below, you agree that we may provide you disclosures, notices, terms and conditions, agreements, and all amendments thereto (collectively “communications”) electronically in connection with the services offered or accessible through Online and Mobile Banking, including but not limited to information under Regulation E and under other applicable banking or financial services laws or regulations in connection with the services offered or accessible through Online and Mobile Banking. Your consent to receive communications includes, but is not limited to: (1) legally required notification of changes to terms and conditions related to Online Banking and Mobile Banking, (2) disclosures about a change in the terms of your account(s) or associated payment features, (3) notices or disclosures regarding fees, including overdraft fees, late fees, and returned item fees, (4) annual and or periodic notices required by federal and/or state law or regulation. Consent to receive electronic communications under this Agreement & Disclosure is not an enrollment to receive electronic statements.

All you need to use the online services and to receive this Agreement & Disclosure and any future information is a personal computer, including a monitor, capable of accessing the Internet and sending and receiving email, with sufficient electronic storage capacity on the hard drive or other data storage unit (particularly if you wish to store electronic communications), along with a printer capable of printing copies if you wish to retain records in paper format. You will also need a domestic and secure Internet web browser with 128-bit encryption for your personal computer (supported browsers can be found by clicking the following link (http://info.netteller.com/go/supported-browsers) as well as an Android or Apple operating system for mobile or handheld devices. Most information on and within our website and via our Online and Mobile Banking services is provided in either HTML and/or Adobe® PDF format. You must also have Adobe® Acrobat® Reader® software or Adobe® compatible software (version 6.0 and above) so you can view any Adobe® PDF files (A free copy of Adobe Reader may be downloaded at http://www.get.adobe.com/reader). You must also have an active email address. In some cases, you may also need a specific brand or type of mobile or handheld device that can support a particular software application, including an application intended for particular mobile or handheld devices (such as mobile or handheld devices or applications compatible with Apple or Google Android operating systems). Should we offer remote deposit capture services and you wish to deposit checks online without a mobile or handheld device, you will need an Internet-connected personal computer and a scanner or a printer that can also scan documents. We will provide you notice if our hardware or software requirements change.

If you elect not to receive communications electronically in connection with a new product or service, your decision does not necessarily mean you have withdrawn consent on any other Online and Mobile Banking products or services. If you wish to withdraw consent to receive communications electronically at no charge, to terminate the services, or to update your information, such as a change of address or email address, you may call us at 423-442-9988, send a secure message within the Online Banking, or send a letter to Electronic Banking Department, 108 Main Street, Madisonville, TN 37354. If you withdraw your consent to receive communications electronically in the future, we will not close your account and we will not terminate Online and Mobile Banking services. We reserve the right to discontinue electronic communications or amend the terms and conditions of this Agreement & Disclosure (at no charge); if so, we will provide you notification of any termination or amendment pursuant to applicable law.

You should also update your contact information and notify us if you change your email address. It is your responsibility to provide us with an accurate email address and other contact information related to your accounts and services, and to maintain and promptly update any changes in this information. You can update this information through Online Banking by selecting the settings tab, calling us at (423)442-9988, or send a letter to Electronic Banking Department, 108 Main Street, Madisonville, TN 37354.

You may print and retain a copy of this Agreement & Disclosure or any future information sent to you electronically. You may also obtain a free copy of this Agreement & Disclosure, any amendments to it, and other communications about the Online and Mobile Banking in paper form by writing or calling us at the above address and telephone number.

I agree. I do not agree.