FirstOak Bank’s Electronic Disclosure Agreement

This agreement asks for your consent to receive disclosures and information from FirstOak Bank in an electronic format rather than in paper format. Before you decide to consent to receive electronic disclosures, you should read and consider the following information. You consent by using this website. For your consent to be effective, your computer and browser will need to meet the hardware and software requirements discussed below.

This agreement contains important information that we are required by regulation to provide to you. You should keep a copy for your records. If you have questions about Electronic Disclosures that are not answered in this agreement, please contact us at:

Our Online Banking Service is designed to provide information to you in electronic form. You cannot enroll in the Service online without agreeing to receive the Internet Banking Agreement and Disclosure in electronic form.
If you consent, we may also provide other disclosures in an electronic format. These disclosures may include but are not limited to the following:

• Updates or amendments to our Online Banking and Bill Pay Agreements;
• Notice of change in account terms;
• Notice of fee changes;
• Responses to any questions you may have about electronic funds transfers;
• Privacy and security notices.

If you would like to receive your periodic account statements electronically, you must complete an Electronic Statement and Disclosure Agreement.

How to Obtain Electronic Disclosures (E-Disclosures)

We will always post our most current Online Banking and Bill Pay Agreement on our website. If any amendment(s) to this agreement results in an adverse effect to our customers, we will provide at least thirty (30) days prior notice through a secure online message and/or external email alert.

We may also send you an external email notice and/or secure message through our Online Banking Service to inform you where other important disclosures or account statements can be viewed on our website or within our Online Banking Service.

You may download or print all electronic notices and disclosures from your computer if you have the hardware and software described below. You can also save copies of electronic notices and disclosures to your hard drive or other media for viewing and printing at a later time.

If you have trouble printing or if you need a paper copy, you may request one by contacting us through any of the methods listed above.

System and Equipment Requirements

Prior to accepting the electronic delivery of disclosures, you should verify that you have the required hardware and software necessary to access the system and retrieve the documents and disclosures in an electronic format. You will need:

• Internet access.
• A computer and internet browser that can support 128-bit encryption.
• For security purposes, we support the most current version of popular browsers, such as Microsoft Internet Explorer, Mozilla/Firefox, and Safari for Mac and PC. The most current browser versions are typically more secure and will support 128-bit encryption. Browser upgrades are accessible on the online banking login page.
• We provide periodic statements and disclosures in PDF format which require the most current Adobe Acrobat Reader. If you need to download or upgrade to a higher version go to http://www.adobe.com/products/acrobat/readstep2.html and follow the instructions provided to download the free software.
• A printer for printing E-disclosures and/or sufficient hard-drive space or other media (e.g. CD, DVD) if you plan to save disclosures in an electronic format.
• An external email address. This is necessary so that we can send you notices when E-disclosures are available on our website or within the Online Banking Service.

We may revise hardware and software requirements as technology advances. If there is a material change that may impact your ability to access the system or E-disclosures, we will notify you of these changes thirty (30) days in advance. At that time, you will be given an opportunity to change the format of your disclosures (e.g. change from an electronic format to paper format). If you elect to receive paper disclosures you will also be changing the method of statement delivery to paper and this may require that your account type to be changed and would potentially incur a monthly fee.

Cancellation of E-Disclosures

If you consent to receive E-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 delivery of your statements and disclosures by sending us a secure message through Online Banking Service or by contacting us through anyof the methods listed above. You cannot receive electronic statements without receiving electronic disclosures. If you cancel electronic deliver of your statements your account type may be changed and would potentially incur a monthly service fee.
If you send us a secure message or write us a letter, please be sure to identify yourself and the applicable account numbers.

Address Changes

In order to provide E-Disclosures, the Bank must maintain current customer email addresses at all times. It is your sole responsibility to provide us with your correct contact information, including your email address.
You should notify FirstOak Bank of any changes to your personal contact information by contacting us through any of the methods listed above. You can change your email address through the Online Banking Service by selecting “My Preferences” and “Change Personal Settings”.

Proceed with Acceptance of E-Disclosures

With your acceptance below, you agree to accept Online Banking and Bill Payment related disclosures in electronic format. You also agree that you have the necessary equipment for accessing and viewing the disclosures and you agree to notify us if you change your email address or if you no longer want to receive disclosures electronically.
If you enroll for Online Banking Services, we will send you an email and request that you to confirm your email address and your ability to access E-disclosures.