E-Statements

Electronic Statement Delivery Consent Agreement

This statement requests your consent to permit the Fidelity Bank, N.A. (the Bank) to provide communications and information to you in secure electronic form rather than in paper form for your selected accounts. Read and consider the following information before deciding whether to consent to receiving electronic notices and records. Then, if you decide to consent, click the 'I Agree' button at the bottom of this statement.

Your e-statement is an official electronic copy of your monthly checking or savings account statement, or your periodic loan statement, which is accessible in a secure website via a Portable Document Format (PDF) file. A notification will be delivered to the email address you specify.

System requirements for viewing e-statements include a PC with Windows 10 or higher, Mac OS 10.10.4 or higher, a mobile device with Android 8 or higher, iOS 14 or higher, space to save files should you need to, Internet access with a current version of an Internet browser such as Google Chrome, Firefox or Microsoft Edge and Adobe Acrobat Reader 8.0 or higher installed on your PC or mobile device in order to read the e-statements PDF (portable document Format) file. If a change in the hardware or software requirements needed to access or retain electronic records creates a material risk in that you will not be able to access or retain subsequent electronic records, the Bank will provide you with a statement of the revised hardware and software requirements for access to and retention of electronic records. At such time, you will have the right to revoke your consent to receive electronic records without imposition of any condition, consequence, or fee. By signing/agreeing below you are stating to the Bank that your computer has met the above requirements for e-statements.

E-statement delivery applies only to the monthly statement for the account(s) selected. Currently, all other notices on these accounts will be delivered on paper by mail unless you have opted into receiving these documents electronically. By accepting the terms of this agreement, you hereby authorize the Bank to provide notification of periodic account statements to you by e-mail. Your authorization means that we can provide you with periodic statements of your account electronically.

Upon receipt of your consent, we will notify you at your registered e-mail address each time we prepare a statement for an account that you have selected. We will send you an email letting you know that the e-statement is available online. You will be required to enter your user ID and password to view the e-statement. You agree it is your sole responsibility to protect your password from unauthorized persons. You agree that it is your responsibility to ensure that the e-statements cannot be intercepted or viewed by others. You agree that the Bank has no control as to the persons who have access to your personal computer and your password once it is in your possession. The Bank will not be liable for any unauthorized access to your personal computer or your passwords.

You understand that you have no expectation of privacy if you transfer any statement via e-mail to another person or entity using the World Wide Web. You further agree to release the Bank from any liability if the information is intercepted or viewed by unauthorized parties at your employer or any other email address you have provided.

If your e-statement notification is returned as undeliverable, we will send a paper statement to the address listed on your account. Your e-statement service will be automatically discontinued until you notify us of your new e-mail address by resubmitting the e-statement application.

Your e-statement will be dated the day you are notified by email (the 'email date'). You must promptly review your e-statement and any accompanying items and notify us via writing, telephone, or in person at any of our locations (within the applicable time periods specified in your deposit agreement) of any error, unauthorized signature, lack of signature, alteration, or other irregularity. Any applicable time periods within which you must notify us of any errors on your account statement(s) shall begin on the email date regardless of when you receive and/or open the statement.

If you believe your e-statement is lost or that someone has obtained access to your e-statement without your permission, write to us at the following address: E-Statements Fidelity Bank, P.O. Box 1007, Wichita, Kansas 67201-1007. You may also contact a customer service representative in person at any branch location or by calling 1-800-658-1637 or 1-800-757-0464 in Oklahoma.

If you subscribe to e-statements, you have the right to request a paper copy of your statement at any time. You may make your request by visiting any branch location or calling 1-800-658-1637 or1-800-757-0464 in Oklahoma. A research fee of $2.00 will be charged to your account for each statement requested.

You may withdraw your consent to receive your statement electronically at any time. You may terminate your e-statement service by sending us a letter that lists the account numbers to be terminated and is signed with your original signature to: E-Statements Fidelity Bank, P.O. Box 1007, Wichita, Kansas 67201-1007.

If your email address changes, you must notify us immediately of your new address. You can update your email address through our secure Online Banking website under Manage Contact Information or by sending us a letter that lists your name, new email address and is signed with your original signature to the following address: E-Statements Fidelity Bank, P.O. Box 1007, Wichita, Kansas 67201-1007.

All e-statements shall be in full compliance with applicable laws and regulations. The provisions in this agreement are part of (and in supplement to) the Terms and Conditions for Depository Accounts for the Bank and are subject to all the provisions in the Terms and Conditions for Depository Accounts. Each bank account that you designate to be included within the e-statement service and e-statements program is also governed by the terms and conditions otherwise applicable to that kind of account as separately disclosed to you, either in the Terms and Conditions for Depository Accounts, applications, and enrollment forms, the applicable personal or business fee schedules, credit or deposit agreements, our Privacy Policy, or other written disclosures.

We have the right to update the Terms and Conditions of the e-statement program at any time. We will notify you of any updates through Online Banking. The Terms & Conditions will be located on the Statement Delivery Preference page within Online Banking for reference.

I have read and agree to the terms of the Email Statement Disclosure and I would like to receive e-statement delivery. I understand that for the accounts listed above I will no longer receive a periodic statement sent by U.S. Mail.

Electronic Document Delivery Consent Agreement

We are committed to providing accurate information regarding your accounts and banking relationship. You have elected to receive information securely through electronic means so you can enjoy more timely communications and avoid the clutter of paper documents.

CONSENT TO RECEIVE DOCUMENTS ELECTRONICALLY This Consent describes our obligations and your rights related to receiving certain documents from us electronically for all your deposit or loan accounts. E-statements are excluded from this agreement as they are governed under a separate agreement located in your online banking account. This document also addresses your right to withdraw your consent and potential consequences. Please read this document carefully and retain a copy for your records.

You authorize us to provide agreements, disclosures, notices, and other information and communications regarding your accounts, services, products, the use of our websites or our other electronic services, your relationship with us, and/or other programs, products or services that are or may be available to you in the future (collectively, "Communications") to you in electronic format. This format includes e-mail or other electronic means such as messages through mobile or online banking. Such Communications may include, but are not limited to:

• This e-Communications Disclosure and any updates;
• The Online and Mobile Banking Agreement, other service, or user agreements for access to our websites or other electronic services, all updates to these agreements and all disclosures, notices, and other communications regarding transactions you make through websites or our other electronic services;
• Disclosures, agreements, notices and other information related to the opening or initiation of an account, product or service including, but not limited to, account agreements, fee schedules or other disclosures or notices that may be required by the Truth in Savings Act, Electronic Fund Transfer Act, Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Gramm Leach Bliley Act, the Real Estate Settlement Procedures Act or other applicable federal or state laws and regulations;
• Any notice or disclosure regarding an account, product, or service fee, such as a late fee, an overdraft fee, a fee for a check or electronic debit returned for any reason, such as insufficient funds fee or a fee as a result of a stop payment order;
• Any notice of the addition of new terms and conditions or the deletion or amendment of existing terms and conditions applicable to accounts, products or services you obtain from us; • Our Privacy Notice (which can be found on our website (Privacy Principles | Fidelity Bank, Privacy Principles (https://www.fidelitybank.com/privacy-principles/) | Oklahoma Fidelity Bank (https://www.okfidelitybank.com/privacy-principles/));
• Tax statements or notices that we are legally required to provide to you, such as the annual IRS interest statements.

WITHDRAWAL OF CONSENT
You have the right to withdraw your consent for electronic communications at any time. You may withdraw your consent to receive electronic communications by calling 1.800.658.1637 or mailing a letter signed with your original signature to: Fidelity Bank, P.O. Box 1007, Wichita KS 67201-1007. Withdrawal of consent for receiving electronic communications may result in a fee or a change in fees for some accounts. Please refer to your Account Agreement and product disclosures for additional information.

UPDATING YOUR CONTACT INFORMATION
It is your responsibility to provide us with your current email address and to maintain and promptly update any changes to it. You can update your email address through our secure Online Banking website under Manage Contact Information, by contacting us at 1.800.658.1637, or by sending a letter to the address listed above. You agree that if we send an email to you regarding any Communication to the email address you have provided us and the email is undeliverable, we will have delivered the Communication to you. We have no obligation to send a duplicate paper copy of any Communication to you in the event your email is undeliverable.

REQUESTING PAPER COPIES OF DOCUMENTS
You can obtain a paper copy of any electronic Communication by printing it yourself or by requesting that we mail you a paper copy. To request a paper copy, contact us at 1.800.658.1637 or visit one of our branches. There may be additional fees assessed to receive the Documents in paper form in accordance with our Fee Schedule.

HARDWARE AND SOFTWARE YOU WILL NEED
To receive, review, and download electronic notices and disclosures, you will need the following equipment and software:

• A personal computer or other device capable of accessing the internet to allow access to account information, and to receive, retain any print or store the document received;
• Access to the internet;
• An internet web browser which is capable of supporting commercially reasonable SSL encrypted communications; • Software which permits you to receive and access Portable Document Format (PDF) files, such as Adobe Acrobat Reader version 8.0 and above;
• An email account with an internet service provider and email software in order to participate in our electronic communications program.

If a change in the hardware or software requirements needed to access or retain electronic records creates a material risk in that you will not be able to access or retain subsequent electronic records, the Bank will provide you with a statement of the revised hardware and software requirements for access to and retention of electronic records. At such time, you will have the right to revoke your consent to receive electronic records without imposition of any condition, consequence, or fee.

By consenting to this E-Sign Disclosure and Consent form, you indicate your ability and willingness to receive documents in an electronic form.