AGREEMENT TO RECEIVE ELECTRONIC DOCUMENTS

You may consent to receiving electronic communications ("legal documents, disclosures and other communications pertaining to your loan"). Additionally, your consent will apply to subsequent disclosures and information that we are required or otherwise choose to provide from time to time. Under this Notice, communications you receive in electronic form from us will be considered "in writing".

Email Addresses: Electronic communications will be sent to the email address that you or any co-applicant provides, and you agree to forward disclosures to all other applicants. If an email is returned as undelivered, we may use any other email address that we have for you or a co-applicant. We also reserve the right to use postal addresses. You must notify us of any change in your email address by calling 573-237-3051. Unless otherwise required by law, you agree that any electronic communications will be deemed received by you when sent by means set forth above. In accordance with our privacy practices, your email address will not be shared or sold.

Withdrawal of Consent: You may withdraw your consent to receiving electronic communications. Notice must be provided in writing and sent to P.O. Box 197, New Haven, MO 63068. Withdrawal by any one co-applicant will be effective for all applicants.

Paper Copies: You may print or make a copy of any electronic communications that are emailed to you.

System Requirements: In order to properly access and retain your electronic communications, you must have the following hardware and software (collectively, "System Requirements"):

A personal computer, mobile device, or table and operating system capable of accessing the Internet and sending and receiving email
A current version of an Internet Browser
Electronic storage if you with to retain records in electronic form
A printer capable of printing copies of information for your records (if you desire paper records)

By checking the “I Accept” box, you are providing consent for (”Citizens Bank”, “We”, Us”) to provide required disclosures to you electronically.