Alma Bank Personal and Small Business Online Banking Statement Service Agreement and Disclosure

This Alma Bank Personal and Small Business Online Banking Statement Service Agreement and Disclosure (the “Agreement”) contains the terms and conditions applicable to our Personal and Small Business Online Banking “Electronic Statement” or “Paperless Statement” services.

Definition

In this Agreement, the terms “we,” “our,” and “Bank” refer to Alma Bank, while the terms “you” and “your” refer to the account owner(s) or authorized signer(s).

Statement Delivery

By enrolling in Electronic Statement services, you consent and agree that we may provide your account statements in electronic in lieu of paper form and to the terms and conditions of this Agreement.

System Requirements

In order to access your Electronic Statements, your personal computer must have:

• Internet and Email Access
• A compatible browser that supports 256-bit encryption
• Adobe Acrobat Reader 8.0 or higher

We may revise hardware and/or software requirements. We will inform you in advance of any such change that has material impact on your ability to access Electronic Statements.

Enrollment for Electronic Statements

You can enroll in Electronic Statements at any time by logging into Personal and Small Business Online Banking. From the name menu in the upper-right corner, select Settings. The Profile tab will open, displaying the Paperless Statements section on the right. To enable paperless statements, you must first select Sample PDF and view the sample statement. Viewing this PDF is required to acknowledge your consent, and federal law mandates this acknowledgment even if paperless statements had been enabled in the past. Paperless enrollment cannot be completed unless the PDF is opened.

After reviewing the sample PDF, select Enroll.

Once you are enrolled in Electronic Statements, paper statements for the accounts selected will be automatically terminated and you will access all future statements through your Online Banking Account.

When you enroll in paperless statements, all eligible accounts associated with your online banking profile will be converted to paperless delivery. Individual account selection is not available; paperless enrollment applies to all accounts.

You will be able to view, download, and print your account Electronic Statements. Electronic Statements remain available online for 24 months; however, you may save copies of your Electronic Statements to your hard drive or other storage media for viewing and printing at a later time.

Request for a paper copy of your Account Statement

You may request a paper copy of your Electronic Statement by contacting any of our branches. A duplicate statement issue fee may apply.

Cancelling Electronic Statements

You may opt out of Electronic Statements at any time by logging into Personal and Small Business Banking. From the name menu in the upper-right corner, select Settings. The Profile tab will open, displaying the Paperless Statements section on the right. You can then select unenroll. Once you withdraw your consent, the Bank will discontinue Electronic Statement service and paper statements will be resumed. There is no fee to opt out and resume paper statements. If you change your delivery preference from Online to Paper, you may lose access to any statements previously delivered online. You should save your online statements before making this change.

Email Address

You agree to notify us of any changes to your email address by logging into Personal and Small Business Online Banking. From the name menu in the upper-right corner, select Settings. The Profile tab will open, where you can update your email address.

Joint Accounts

For jointly owned accounts, either account owner may provide consent to receive paperless statements. Once any owner provides such consent, paper statement delivery will be discontinued for all owners on the account. Either owner may also revoke this consent at any time, and such revocation will apply to all owners, restoring paper statement delivery as applicable.

Termination/Amendment

We reserve the right to terminate change the terms of this Agreement at any time. If a change negatively impacts you by imposing increased fees or additional limitations, we will provide you with at least 30 days’ notice in advance of the change. If such notice is not required, we will notify you of the change in terms within 30 days of the change. If you would like to decline the changes, you may terminate Electronic Statement services, or you will be deemed to have agreed to the change.