This consent means you agree to receive Disclosures and Communications electronically that we may otherwise be required to provide on paper; however, at times, and in our discretion, we may still send you paper Disclosures and Communications.

This consent is effective until withdrawn by you. Agreeing to accept communications electronically means that once we present them to you, and you accept them, they will apply to you and any Account with us. It also means that we may not mail you copies of communications that are provided electronically. Accordingly, you should print or otherwise retain a copy for your records of this Electronic Disclosure and Consent and all communications you receive electronically.

All communications we provide to you in electronic form will be provided by either (i) email, (ii) access to a website that we designate in an email notice we send to you at the time the information is available, or (iii) to the extent permissible by law, by access to a website that we generally designate in advance for such purpose. You can withdraw your consent to electronic delivery, but doing so will not affect the legal effectiveness, validity, or enfo rceability of the electronic communications provided to you before your withdrawal became effective. Any withdrawal of your consent to receive electronic communications will be effective only after we receive and have had a reasonable period to process your request. You can request that we send you a paper copy of any of the communications originally provided electronically to you. We may charge you a fee for providing this, and we will send these to you using the United States Postal Service. You can withdraw your consent to receive future communications electronically, or provide us with updated information about how we can contact you electronically by contacting a personal banker. If your email address changes, you must provide us with the new address before the change either by writing to us or by using a method that may be made available to you on our personal online banking website.

HARDWARE AND SOFTWARE REQUIREMENTS

You agree to use a reputable anti-virus and anti-spyware software program on the hardware and update such anti-virus and anti-spyware software periodically in accordance with a commercially reasonable schedule. We are not responsible for any errors or issues that arise from the malfunction or failure of your hardware or software.

In order to access, view, and retain electronic communications that we make available to you, you must have:

• An internet browser that supports 128 bit encryption;
  
• Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit;
  
• Adobe Acrobat Reader 6.1 or higher;
  
• An email account with an internet service provider and email software; and
  
• A personal computer (for PCs: Pentium 120 MHz or higher; for Macintosh, Power Mac 9500, Power PC 605 processor 120-MHz Base of higher), operating system, and telecommunications connections to the internet capable of receiving from us in electronic form via a plain text-formatted email or by access to our website using one of the browsers’ specified above.
  

You acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (the “Act”), and that you and we intend t hat the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means. Note, we may change this Electronic Disclosure and Consent Disclosure by posting the revised version on our website.

Further, when you click the “I Accept” box, you are confirming that you consent to electronic delivery of communications, your system meets the requirements described above, you are able to access the communications presented on our web site or via email, and you can either print or electronically store these communications.