E-Sign Disclosure

FEDERAL E-SIGN ACT DISCLOSURE AND CONSENT

March 15, 2023

PLEASE READ THIS AGREEMENT CAREFULLY

This Federal E-Sign Disclosure and Consent is between First Citizens Bank and First Citizens Online Bank customers regarding the receipt of

items electronically through e-mail or its secure web based interface: periodic statements, legal or regulatory disclosures, loan disclosures or

notices including Residential Real Estate loans or other Consumer Credit, notices or disclosures about a change in terms regarding your

accounts, privacy policies and notices, other communications we may include from time to time as part of account relationships with our bank

and/or the eStatements program, overdraft or insufficient funds notices or any billing notices that may apply.

 

Paper Delivery of Disclosures and Notices

You have the right to receive a paper copy of any disclosures, notices, terms and conditions, other documents and any changes. To receive a

paper copy at no charge, please request it in one of the following ways: Call First Citizens Bank at 1-800-423-1602 and speak with the

customer service department, or any lender, or any personal banker, or contact us in person at any of our offices, or write us at First Citizens

Bank, P.O. Box 1708, Mason City, IA 50401. Include your name, mailing address and state that you are asking for a copy of the disclosures,

notices or other information.

 

Withdrawal of Consent of Electronic Acceptance of Disclosures and Notices

You may contact us in any of the ways described above to withdraw your consent to receive any future disclosures, notices, terms and

conditions or other documents electronically. Depending on the type of account you have chosen with First Citizens Bank, this may result in the

closing of your account or the imposition of certain fees. Should this occur, we will notify you of any action that will be required or fees

imposed.

 

Change in How We May Contact You Electronically

It is your responsibility to provide us with a true, accurate and complete e-mail address, contact and other information related to the Disclosure

and your Account(s), and to maintain and update promptly any changes in this information. You can update information (such as your e-mail

address) through the methods described above.

 

Hardware, Software, and Access Requirements

In order for the Service to work properly, you must have access to a computer running a supported and updated operating system with e-mail

and a web browser having the following minimum browser requirements:

Windows

A supported and updated version of:

Microsoft Edge

Mozilla Firefox

Google Chrome

Mac OS

A supported and updated version of:

Safari

Mozilla Firefox

Google Chrome

In addition, you must have software in order to view the PDF formatted statement documents and disclosures. Your computer hardware must be

able to reliably run the software indicated above. You are also responsible for maintaining your connection to the Internet. Furthermore, we

recommend that you manage and save disclosures and other information you receive electronically, including your Online eStatement. You

understand that you are responsible for installation, maintenance and operation of your computer, computer peripherals, and software. You

assume full responsibility of ensuring these requirements are met should any changes be made to your existing computer system. The Bank is

not responsible for any errors of failures of your computer or its software.

 

Choice of Law

This agreement shall be governed and construed with the Laws of the State of Iowa, without regard to its conflicts of law provisions.

March 2023