First Electronic Bank

Web Site Use

Access to or use of the First Electronic Bank Inc. (FEB) Web Site constitutes consent to the following terms and conditions:

FEB has taken reasonable measures to ensure that the information and data presented on this Web Site is accurate and current; however, FEB makes no express or implied warranty regarding such information or data, and hereby expressly disclaims all legal liability and responsibility to persons or entities who use or access this site and its content, based on their reliance on any information or data that is available through this Web Site.

The content of this Web Site is not designed or intended to provide authoritative financial, accounting, investment, or other professional advice that may be reasonably relied on by its readers. If expert assistance in this area is required, the services of a qualified professional should be sought.

The FEB Web Site provides links to other Web Sites for convenience and informational purposes only. Users should be aware that when they select a link on FEB’s Web Site to an external site, they are leaving FEB’s site. Linked sites are not under the control of FEB, and FEB is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. FEB is not responsible for any transmission received from a linked site. The inclusion of a link does not imply endorsement by FEB of the site, its contents, advertisers, or sponsors.

As a condition of your use of the FEB Web Site, you warrant to FEB that you will not use the FEB Web Site for any purpose that is unlawful or prohibited by these terms and conditions. You may not use the FEB Web Site in any manner that could damage, disable, overburden, or impair the FEB Web Site or interfere with any other party’s use of the FEB Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the FEB Web Site.

This general disclaimer is in addition to, and not in lieu of, any other disclaimers found on pages, applications, or programs within this site. The FEB Web Site is offered to you conditioned on your acceptance without modification of these terms and conditions. Your use of the FEB Web Site constitutes your agreement to all such terms and conditions. FEB reserves the right to change the terms and conditions under which the FEB Web Site is offered. The Web Site user is responsible for regularly reviewing those terms and conditions.



E-SIGN DISCLOSURE AND CONSENT NOTICE

This E-Sign Disclosure and Consent Notice applies to “Communications” (as defined below) for services provided to you by First Electronic Bank and our affiliated partners. Please read the following information before you affirmatively consent to proceed with the option to receive Communications from us electronically.

COVERED COMMUNICATIONS

Communications include periodic account statements but may also include various disclosures and notices we are required by law to provide to you regarding our services, including, but not limited to, terms and conditions, privacy statements or notices and any changes related thereto, transaction receipts, among other things.

METHOD OF PROVIDING COMMUNICATIONS

We may provide Communications to you by email or by making them accessible on our website or both. (At this time, we do not provide all required disclosures and notices electronically; several will still be mailed to you regardless of your election and consent herein to receive the other Communications electronically.)

HARDWARE AND SOFTWARE REQUIREMENTS

To access and retain electronic Communications, you must have (i) a valid email address; (ii) a computer, mobile, tablet or similar device with access to the internet and current browser and software that is capable of receiving, accessing, displaying, and either printing or storing Communications received from us in electronic form; and (iii) sufficient storage space to save such Communications (whether presented online, in emails or otherwise) or the ability to print the Communications. We may request that you respond to an email to demonstrate you are able to receive the Communications electronically.

HOW TO WITHDRAW YOUR CONSENT

If you affirmatively elect to consent to receive Communications electronically from us, you may later withdraw that consent by writing to us at “First Electronic Bank, PO Box 521271, Salt Lake City, Utah 84152-1271” or by calling 1-866-322-8008. This withdrawal of consent will cancel your agreement to receive electronic Communications in the future, and it may result in a reasonable fee charged to you for this service. Please be sure to provide your current mailing address.

REQUESTING PAPER COPIES OF ELECTRONIC COMMUNICATIONS

You may request that a paper copy of any Communications be mailed to you. To request a paper copy, contact us in writing at “First Electronic Bank, PO Box 521271, Salt Lake City, Utah 84152-1271” or by 1-866-322-8008. We may charge you a reasonable fee for this service. Please be sure to provide your current mailing address.

UPDATING YOUR CONTACT INFORMATION

It is your responsibility to keep your primary email address current with us so that we can communicate with you electronically. You understand and agree that if we send Communications to you by email but you do not receive them because your primary email address on file with us is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive emails for any reason, we will be deemed to have provided the Communications to you. If you use a spam filter or similar software that blocks or re-routes emails from senders not listed in your email address book, we recommend that you add First Electronic Bank to your email address book.

Please update your primary email address, mailing address, or any other information by writing us at “First Electronic Bank, PO Box 521271, Salt Lake City, Utah 84152-1271” or by calling 1-866-322-8008.

TERMINATION/CHANGES

We reserve the right, in our sole discretion, to discontinue providing Communications electronically or to change the terms and conditions by which we provide Communications electronically. We will provide you with notice of any such termination or change.

CONFIDENTIALITY

You understand and agree that the Communications you hereby elect to receive electronically are confidential in nature. We are not responsible for any unauthorized access by third parties of the Communications provided electronically to you, nor are we responsible for any damages, including direct, indirect, special, incidental or consequential damages, caused by any unauthorized access. We are not responsible for delays in transmission, and we are not responsible for any computer virus or related problems.

By clicking the “Continue” button, you (i) agree to receive disclosures and notices electronically; (ii) confirm that you will download or print the Communications for your records; (iii) acknowledge that you can access the Communications electronically; (iv) acknowledge that you are affirmatively providing your consent to receive the Communications electronically pursuant to the Federal Electronic Signatures in Global and National Commerce Act; and (v) intend that this statute applies to the fullest extent possible.