Citizens Tri-County Bank

AGREEMENT & DISCLOSURE TO RECEIVE ELECTRONIC DISCLOSURES & COMMUNICATIONS

By continuing with this online application process, you agree that we may provide you this Agreement & Disclosure and any revisions and amendments to this Agreement & Disclosure in electronic form; and that, if you choose to accept the Agreement & Disclosure, you are consenting to enter into and are entering into an Agreement electronically that will govern all future transactions you conduct using Online and Mobile Banking and agree to be bound by its terms. Online and Mobile Banking includes but is not limited to any online banking services and transfers, bill payment services, mobile banking using a mobile or handheld device, and any remote deposit capture services.

By selecting the "I Agree" button below, you agree that we may provide you disclosures, notices, terms and conditions, agreements, and all amendments thereto (collectively “communications”) electronically in connection with the services offered or accessible through Online and Mobile Banking, including but not limited to information under Regulation E and under other applicable banking or financial services laws or regulations in connection with the services offered or accessible through Online and Mobile Banking. Your consent to receive communications includes, but is not limited to: (1) notification if our hardware or software requirements change, (2) legally required notification of changes to terms and conditions related to Online Banking and Mobile Banking or related services or products, (3) disclosures about a change in the terms of your account(s) or associated payment features, (4) updates or announcements on changes or new features or services regarding our products, (5) updates or announcements on features or services we will be eliminating regarding our products, (6) notices or disclosures regarding fees, including account fees, overdraft fees, late fees, and returned item fees, (7) annual and/or periodic notices required by federal and/or state law or regulation, including notices on our policies and your rights regarding privacy if permitted by law to be provided electronically. A consent to receive electronic communications under this Agreement & Disclosure is not an enrollment to receive electronic statements.

All you need to use the Online and Mobile Banking services and to receive this Agreement & Disclosure and any future information is a personal computer (or a mobile or handheld device), including a monitor, capable of accessing the Internet and sending and receiving email, with sufficient electronic storage capacity on the hard drive or other data storage unit (particularly if you wish to store electronic communications), along with a printer capable of printing copies if you wish to retain records in paper format. You will also need a domestic and secure Internet web browser with 128-bit encryption for your personal computer, as well as an adequate operating system for mobile or handheld devices, such as Apple® or Google Android™. A list of supported browsers can be found by clicking the following link: http://info.netteller.com/go/supported-browsers. Most information on and within our website and via our Online and Mobile Banking services is provided in either HTML and/or Adobe^® PDF format. You must also have Adobe Acrobat Reader^® software or Adobe^® compatible software (version 6.0 and above) so you can view any Adobe^® PDF files (A free copy of Adobe Acrobat Reader^® may be downloaded at http://www.get.adobe.com/reader). You must also have an active email address. In some cases, you may also need a specific brand or type of mobile or handheld device that can support a particular software application, including an application intended for particular mobile or handheld devices (such as mobile or handheld devices or applications compatible with Apple^® or Google Android™ operating systems). Should we offer remote deposit capture services and you wish to deposit checks online without a mobile or handheld device, you will need an Internet-connected personal computer and a scanner or a printer that can also scan documents. We will provide you notice if our hardware or software requirements change.

If you elect not to receive communications electronically in connection with a new product or service, your decision does not necessarily mean you have withdrawn consent on any other Online and Mobile Banking products or services. If you wish to withdraw consent to receive communications electronically at no charge, to terminate the services, or to update your information, such as a change of address or email address, you may send us a secure message within Online Banking, call us at 423-949-2173, or send us a letter via U.S. postal mail to: Electronic Banking Department, Citizens Tri-County Bank, PO Box 697, 15699 Rankin Avenue, Dunlap, TN, 37327. If you withdraw your consent to receive the above communications electronically in the future, we will not close your account and we will not terminate your Online and Mobile Banking services. We reserve the right to discontinue electronic communications or amend the terms and conditions of this Agreement & Disclosure (at no charge); if so, we will provide you notification of any termination or amendment pursuant to applicable law. We also reserve the right to provide you notifications or communications through U.S. postal mail in lieu of, or in addition to, electronically.

You should also update your contact information and notify us if you change your email address. It is your responsibility to provide us with an accurate email address and other contact information related to your accounts and services, and to maintain and promptly update any changes in this information. You can update this information though Online Banking bey selecting the settings tab, calling us at 423-9492173, or sending us a letter via U.S. postal mail to: Electronic Banking Department, Citizens Tri-County Bank, PO Box 697, 15699 Rankin Avenue, Dunlap, TN, 37327.

You may print and retain a copy of this Agreement & Disclosure or any future information sent to you electronically. You may also obtain a free copy of this Agreement & Disclosure, any amendments to it, and other communications about the Online and Mobile Banking in paper form by writing or calling us at the above address and telephone number. If you do not want electronic disclosures, click the “I do not agree” link below. If you do not accept electronic disclosures you will not be able to proceed with online enrollment for our Online and Mobile Banking services and Online and Mobile Banking services will not be available to you.