Personal E-Statement Enrollment Disclosure

Electronic Statement (E-Statement) Disclosure Agreement

Electronic Delivery of Statements and Notices

By accepting the “Anstaff Bank Electronic Statement (E-Statement) Disclosure Agreement”, you consent and agree that Anstaff Bank may provide certain disclosures and notices to you in electronic form, in lieu of paper form, including electronic delivery of statements (E-Statements) for your Anstaff Bank deposit account(s).

Definitions

As used in this Agreement, the words “we”, “our”, and “us” mean Anstaff Bank. “You” and “your” mean the account owner(s) authorized to receive E-Statements under this Agreement. “Account” or “accounts” mean your deposit accounts at Anstaff Bank. “Business days” mean Monday through Friday, excluding Federal holidays.

Electronic Statement/Notices Consent

Your consent to receive E-Statements covers the periodic statements you are provided in connection with your Anstaff Bank deposit account(s). Your consent also covers disclosures that are required with your account statements, including, but not limited to, the error resolution notice required by the Electronic Fund Transfer Act, as well as marketing information on products and/or promotions that Anstaff Bank may provide to you electronically. By using E-Statements, you accept and agree to be bound by the general terms and conditions governing E-Statements, including without limitation all the terms and conditions in this Agreement. You agree to be bound by any and all laws, rules, regulations and official issuances applicable to E-Statements now existing or which may hereafter be enacted, issued or enforced, as well as such other terms and conditions governing the use of other facilities, benefits or services that Anstaff Bank may from time to time make available to you in connection with E-Statements. Anstaff Bank has absolute discretion to make E-Statements available to you. Further, Anstaff Bank has the discretion from time to time and upon giving notice to you to modify, restrict, withdraw, cancel, suspend or discontinue E-Statements without giving any reason. You understand that by using E-Statements after any modification or change has been effected, you would have agreed to such modification or change. Once you retrieve your first E-Statement, Anstaff Bank will discontinue mailing paper account statements for your E-Statement account. All future statements for that account will be E-Statements which you will access through Anstaff Bank’s Online Banking to obtain, review, print, and copy/download your periodic deposit account statements. Each month we will send an e-mail notice to you advising you of the availability of your E-Statement with instructions on how to access your E-Statement. You may then access your E-Statement via the procedures that we authorize. Your electronic statement will be available for viewing for a period of twelve (12) months (or such period as decided by Anstaff Bank and notified to you) from the applicable statement date. Your consent to receive electronic notices covers any notice or other type of communication provided to you pursuant to the terms of this Agreement. We will send all notices, attachments, and/or documents via e-mail to the last known e-mail address provided by you. You agree to notify us promptly of any change of your e-mail address.

Anstaff Bank E-Statement Procedures

You must enroll each of your deposit account(s) for which you want to access E-Statements. To enroll your account(s) for E-Statement access simply sign up online or complete the E-Statement enrollment form and return to Anstaff Bank. In order to access your E-Statements with images, you must log in to Anstaff Bank’s Online Banking service, go to your account, then: 1) Click on the “Documents” button, 2) Under the document type choose "eStatments with images”, 3) Then select the statement date that you wish to view.

Requesting to Receive a Paper Statements

You can request a paper copy of your account statement by calling your local Anstaff Bank branch. A nominal fee per statement copy may be assessed to your account.

Duty to Review Periodic Statements

You must promptly access/review your E-Statement and any accompanying items and notify us in writing immediately of any error, unauthorized transaction, or any other irregularity. If you allow someone else to access your statement, you remain fully responsible to review the statement for any errors, unauthorized transactions, or any other irregularities. Any applicable time periods within which you must notify us of any errors on your account statement(s) shall begin on the E-Statement e-mail notification date regardless of when you access and/or review your E-Statement. If you do not immediately report to Anstaff Bank any non-receipt of E-Statements or any error, irregularity, discrepancies, claims or unauthorized debits or items, you shall be deemed conclusively to have accepted all matters contained in the E-Statements to be true, accurate and correct in all respects.

Change of Mailing Address, E-mail Address, and Other Information

You must provide us with a valid e-mail address in order to use the E-Statement service. You agree to notify us immediately of any change in your mailing address, e-mail address or other particulars relevant to this Agreement. To notify us of your e-mail address change, please log in to Anstaff Bank’s Online Banking service, or call us at (800) 445-5745.

Joint Accounts

If your Anstaff Bank account is owned jointly with another person, either one of you may consent to receive electronic disclosures and E-Statements and that person’s election to access E-Statements shall apply to both of you. Anstaff Bank will automatically turn off the paper statement for that account once the first E-Statement has been made available unless you request to continue to receive your paper statements in addition to your E-Statements (please refer to ‘Requesting to Receive or Cancel Paper Statements in Addition to E-Statements’).

Security

You agree that Anstaff Bank shall not be held liable if you are unable to gain access to the website or Anstaff Bank system from time to time. You understand that some or all of the E-Statement services and/or other Anstaff Bank system services may not be available at certain times due to maintenance and/or computer, communication, electrical or network failure or any other causes beyond Anstaff Bank’s control. You understand the importance of your role in preventing misuse of your accounts, and you agree to promptly examine your E-Statement for each of your Anstaff Bank accounts as soon as you can access it. You agree to protect the confidentiality of your account and account number and your personal identification information. You understand that personal identification information by itself or together with information related to your account, may allow unauthorized access to your account. You acknowledge that the internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing the internet, or e-mail transmitted to and from us, will not be monitored or read by others. In order to help protect your personal information, we recommend that you install Firewalls, anti-virus, and spyware protection software (and update as required) on your computer. We also recommend that you update your operating system and browser application on a periodic basis to better protect your computer and online banking sessions. Anstaff Bank does not warrant the security or confidentiality of any information transmitted through any applicable Internet service provider, information/communication network service provider, network system or such other equivalent system in any jurisdiction via E-Statements. You agree that you shall not disassemble, decompile, copy, modify or reverse engineer any Anstaff Bank proprietary software or allow anyone else to do so. Your access ID and password that are used to access Online Banking services should be kept confidential. We strongly recommend that you change your password regularly. You are responsible for keeping your password, account numbers and other account data confidential.

System Requirements

In order for you to access and retain your E-Statement records, your system must have a personal computer that has Internet access and an Internet browser that supports 128-bit encryption. If your browser does not support 128-bit encryption, you must upgrade it in order to access the Online Banking secure pages to gain access to your E-Statements. To print or download disclosures and E-Statements you must have a printer connected to your PC or sufficient hard-drive space to save the disclosure or E-Statements.

Change in Terms

The Bank reserves the right to change the terms and conditions of this agreement (including fee schedule) at any time, which includes the addition and deletion of E-Statement services. We shall update this agreement on our website and may notify you of such changes by mail or electronic message to your most recent address listed on our records. The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. By using the E-Statement service when the changes become effective, you agree to be bound by the revised terms and conditions contained in this agreement or you can decline the changes by discontinuing the use of the E-Statement service and notifying us of your election by e-mail or regular mail. The Bank reserves its right to terminate this Electronic Statement Disclosure Agreement and your access to the E-Statement service, in whole or in part, at any time, including but not limited to when customers have not logged in to use Online banking services for over 180 days.

The Right to Withdraw Consent

You have the right to withdraw your consent to have your statements provided in an electronic form by contacting us via e-mail at info.3@anstaffbank.com or calling us at (800)445-5745. You may also write to us at P.O. Box 1900, Green Forest, AR 72638. We will then discontinue E-Statement service for that account and you will receive paper statements for subsequent statement periods. There is no fee to discontinue your E-Statement service and to revert to receiving paper statements for your account(s). However, since E-Statements are a requirement for a First Rewards Account, your account will then be converted to a Traditional Checking account and any First Rewards benefits will be terminated.

Disclaimer of Warranty and Limitation of Liability

We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the E-Statements provided to you under the Agreement. We do not and cannot warrant that the E-Statement service will operate without error, or that the E-Statement service will be available at all times. Except as specifically provided in this Agreement, or otherwise required by Law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under the Agreement or by reason of your use of the E-Statement service, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty or any other legal theory. Anstaff Bank cannot control information on other web sites. We are not responsible for the content or privacy of web sites linked from Anstaff Bank’s web sites. Please review the privacy policy of the service provider.

Communications between Anstaff Bank and You

You can use e-mail to communicate with Anstaff Bank by clicking on the Contact Us link on our web site www.anstaffbank.com. However, e-mail is not available to initiate transactions on your accounts. Since we may not receive it immediately, you can call us at (800)445-5745, Monday through Thursday 8:00 a.m. – 4:30 p.m. and Fridays until 5:00 p.m.

Additional Terms and Conditions of your Electronic Statement Disclosure Agreement

This Agreement is in addition to the terms and conditions described in the “Anstaff Bank Online Banking Service Agreement”, the Consumer and Business Account Agreement and Disclosures; corresponding fee schedules; or any other documentation which relates to your account(s), collectively referred to as the “Master Agreement”, that were given to you at account opening. To the extent that this Agreement is inconsistent with any of the terms and conditions contained in the Master Agreement, the terms and conditions of this Agreement shall control with respect to E-Statements. You should review those agreements for any applicable fees, for limitations on the number of transactions you can make and for other restrictions that might impact your use of an account with E-Statements and Online Banking. If you should need another copy of a disclosure, please contact us through our web site at www.anstaffbank.com or call our Customer Service Representatives at (800)445-5745 or (870) 438-5214 between 8:00 a.m. and 4:30 p.m. Central Time, Monday thru Thursday or between 8:00 a.m. thru 5:00 p.m. on Friday, or write to our Customer Service Department at P.O. Box 1900, Green Forest, AR 72638.

Our Right to Terminate

You agree that we can terminate the E-Statement Service and revert to printed statements for any reason at any time.

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