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1 1 NAME/ADDRESS OF FINANCIAL INSTITUTION ELECTRONIC DISCLOSURES AND NOTICES MET FNBC Bank and Trust CONSENT AGREEMENT 620 W Burlington Ave La Grange, IL 60525 DATE ACCOUNT INFORMATION E-Mail Address: Account Numbers: The following provisions provide important disclosures that apply to your election to receive electronic records. In the provisions hereof, the terms "you" and "your" refer to the consumer, and the terms "we" DEFINITIONS. be "your" shall of use the Also, above. listed ("Institution") institution financial the to refer "us" and and "you" construed in the singular and plural, as the text requires. all AND You have elected to SCOPE DURATION. available disclosures, notices and other records receive in us from ("records") events in described the time such until or account(s) the close you until form, electronic Changing Your E-Mail Address or Withdrawal Of Consent provisions occur. REQUIREMENTS. in have must you requirements SYSTEM and hardware necessary the are Below software retrieve and receive to order or hardware the in change any of you notify will We electronically. records software requirements needed for access to or retention of electronic records. Encryptable Internet Browser; storage space on your computer or storage device; recent version of Adobe(R) Acrobat(R) Reader; an e-mail account; a computer with an operating system & software capable of securely receiving, accessing, displaying, printing, or storing records received from us in electronic form; working Firewall & Anti-Virus software. provided to agree you form, electronic an in you to records your have to electing By CONFIRMATION. confirm to ability your to receive these records electronically by following any procedures specified by us, from time your of notify the When time. any system changes, you must reconfirm you consent according to we instructions provided at the time, or withdraw your consent. Agreeing to accept records electronically means that once we present them to you, and if necessary, you click to accept them, they will apply to you and your account(s). You further agree that this election does not prevent us from delivering any paper records to you via U.S. mail. You may request paper copies of your records. REQUESTING PAPER COPIES. To request a paper copy of a record, you may write to us at the address above or you may contact us through our website or through FNBC Bank and Trust Internet Banking. We may charge you a fee for the delivery of paper copies of any records provided to you electronically pursuant to this agreement. your change you If ADDRESS. E-MAIL must you YOUR contact other CHANGING or address e-mail information, provide with your new e-mail address or other contact us The change will not be effective until we information. receive it and have had a reasonable opportunity to act upon it. If you fail to provide us with this information and electronic records are returned undelivered, then we will take the following action(s): We will attempt to contact you for a working e-mail address and we may, at our discretion, choose to mail the electronic records in paper form to you using U.S. mail. Agreement, has WITHDRAWAL Consent this on listed account(s) the for signer, authorized Any CONSENT. OF time to the records right to withdraw at any have the provided in consent the using either form, electronic us. document approved notification any in or be Consent of Withdrawal not will withdrawal consent Your by effective until we receive it and have had a reasonable opportunity to act upon it. To withdraw from electronic delivery of records, you may change your preferences on the Change Statement Delivery Method page within the Internet Banking Service. ADDITIONAL TERMS (if any). Your acknowledgement that you have read and agreed to the terms within this agreement is registered with us when you check the box on the Change Statement Delivery page within Internet Banking that states "I have read and agree to the terms of [this agreement]" and you click the submit button. Signing and returning this form to the bank is not necessary. Agreement, read By signing this Consent ACKNOWLEDGMENT. you acknowledge that you have and records for the account(s) request authorize us and and provisions, above the understood to provide you with indicated above in an electronic form. X X Date By Date By Its Its ITEM 1012BAL0 Page 1 of 1 Compliance Systems, Inc. 2005 - 2012 © (10/2012) www.compliancesystems.com

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