Ultrimal Investment's Consent For Electronic Communications

In order for you (or "your", the person(s) performing the transaction) to apply for or open a deposit account on Ultrimal Investment's website, obtain banking services, or receive other disclosures and documents electronically after your account is opened or banking services are obtained, Ultrimal Investment must have your consent to provide such disclosures and documents in electronic format to the extent Ultrimal Investment provides such documents electronically. If you do not consent to electronic format of these disclosures and documents, you will not be able to open deposit accounts, obtain banking services, conduct transactions on Ultrimal Investment's website, or receive account alerts via email or Ultrimal Investment Mobile Banking.

By using Ultrimal Investment's website, you agree, for yourself and all account holders on a particular account, that Ultrimal Investment may provide statements, notices, disclosures, agreements and other information concerning your account(s), products, or services offered or accessible through the online banking service (Personal and Business) and Ultrimal Investment e-Connect, electronically (collectively, "Notices"). You agree that Ultrimal Investment can send you Notices (1) to the email address that you provided to Ultrimal Investment during enrollment or, (2) by posting the Notice on the website home page of the applicable service. The delivery of any Notice from Ultrimal Investment is effective when sent by Ultrimal Investment, regardless of whether you read the Notice when you receive it or whether you actually receive the delivery. Account alerts are offered as a customer convenience only, and are not a replacement for your duties and obligations under the applicable Deposit Account Terms and Conditions (i.e. failure on the part of Ultrimal Investment to send a low balance account alert by Ultrimal Investment will not affect fees charged, if any, pertaining to a resultant overdraft).

Your consent applies to all of the following categories of Notices we provide to you by electronic means, except that Ultrimal Investment will not provide periodic statements electronically ("Paperless Statements") unless you separately request Paperless Statements and provide any consent that is required at that time:

• Documents and disclosures in connection with applying for and opening a deposit account on the Ultrimal Investment website, including but not limited to deposit account agreements, deposit account fee schedules, rate sheets or other disclosures of deposit account interest rates, funds availability disclosures, privacy notices, information sharing notices, affiliate marketing notices and any other documents, agreements or disclosures in connection with applying for or opening a deposit account on Ultrimal Investment's website.
• Documents and disclosures in connection with online or other electronic banking services at the time of opening a deposit account on Ultrimal Investment's website or after a deposit account is opened, including but not limited to agreements and disclosures for online banking services, bill pay services, online fund transfer services, check or debit card services, automated teller machine services, telephone banking services, fund transfer services through the automated clearinghouse or other electronic network, privacy notices, information sharing notices, affiliate marketing notices, and any other notices and disclosures in connection with online or electronic banking services.
• Documents and disclosures in connection with transactions on or the operation of your deposit accounts, including but not limited to change in terms notices, notices relating to any breach or data security, privacy notices, information sharing notices, affiliate marketing notices, taxpayer identification number certification or other tax forms, and any other communications from Ultrimal Investment with respect to error resolution or other matters involving your account.

If you withdraw consent to receive Notices electronically, Ultrimal Investment reserves the right to discontinue your access to its electronic banking services. Any withdrawal of consent will not apply to Notices sent prior to when you elected to stop receiving Notices electronically. All communication in electronic or paper format will be considered "in writing". Please print or download this agreement and any other Notices that you may want to refer to in the future.

If you would like a paper copy of any Notice sent to you, please contact the Customer Contact Center at +1 929 459 2119. You understand and agree that Ultrimal Investment may charge a fee for each copy you request.

Equipment

Since you are already accessing this Consent for Electronic Communications via the Internet, it is likely that you are already using all the hardware and software you need to access Notices electronically. In order to access or receive Notices electronically from Ultrimal Investment, you must have a personal computer with a modem connected to a communications source (telephone, wireless or broadband) and either a Windows-based operating system with an Internet browser, or a Macintosh-based operating system with an Internet browser for Macintosh (see Software Requirements). You will need a printer attached to your personal computer to print any Notices. You can retrieve an electronic copy and a printable version of this Agreement by clicking on the "Consent for Electronic Communications" link located on the log-in page to the service.

Paperless Statements

Ultrimal Investment provides viewing of Paperless Statements for up to 18 months of account history for deposit accounts and up to 3 months of account history for credit card accounts. Once you have elected to receive Paperless Statements or any other Notice electronically, Ultrimal Investment will no longer send you a paper copy through the U.S. Mail unless you request it or we otherwise deem it appropriate to do so. If you find that you need a paper copy of a Paperless Statement, you can print the statement using your browser's print function or you can request a paper copy by calling the Customer Contact Center at +1 929 459 2119. You understand and agree that Ultrimal Investment may charge a fee for each copy you request.

Please know that if you currently receive cancelled checks with your statements through the U.S. Mail, and then choose to go paperless, you will be unable to receive cancelled checks if you later choose to receive paper statements again.

You may elect to withdraw consent to receive periodic statements electronically by clicking on Paperless Statement Preferences and completing the necessary information; or by contacting the Customer Contact Center at +1 929 459 2119.

Modification or Termination

Ultrimal Investment may modify, discontinue or terminate a portion or all of its electronic communication, at any time. Any required notices will be sent at a time and in a manner in compliance with law.