FIRST NEIGHBOR BANK, NA

AGREEMENT TO RECEIVE ELECTRONIC DISCLOSURES AND INFORMATION

By continuing with this online application process, you agree that we may provide you this
Agreement and any revisions and amendments to this Agreement in electronic form; and that, if you
choose to accept the Agreement, you are consenting to enter into and are entering into an Agreement
electronically that will govern all future transactions you conduct using the online services and agree
to be bound by its terms.

All you need to use the online services and to receive this Agreement and any future information is a
device capable of accessing the Internet and sending and receiving e-mail, along with a printer if you
wish to retain records in paper format. You will also need a domestic and secure browser with 128-
bit encryption (such as Microsoft Internet Explorer 7.0 or greater, Mozilla Firefox 2.0 or greater).
You must also have Adobe Reader software or Adobe compatible software, so you can view any
Adobe PDF files.

From time to time, we may deliver certain information to you that is required by law or regulation to
be provided to you in writing, or regarding information about our online services. By selecting the “I
Agree” button below, you agree that we may provide you revisions and amendments to this
Agreement and such other information, including but not limited to information under Regulation E
and under other applicable banking or financial services laws or regulations in connections with the
services, electronically as a part of the Agreement or otherwise as a part of the online services. If you
wish to withdraw consent to receive information electronically, to terminate the services, or to update
your information, such as a change of address or email, you may call us at 1-877-TOLEDO1, send a
Secure Bank Mail message within the services, or by sending a letter to Internet Banking Support,
FIRST NEIGHBOR BANK, NA, PO BOX 127 Toledo IL 62468.

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

By selecting I Agree below you are consenting to the above information in addition to the Online
Banking Agreement already in effect with your login.

See confirmation code below

Confirmation code: 4210